Your shared budget, in real time
Solo, as a couple or family — manage expenses, envelopes and savings in 3 clear drawers with the 3F Method. No bank connection needed.
+15,000 peaceful families · 4.8/5 on the stores
Managing your budget: why is it so hard?
Sound familiar?
"I never know how much I can spend per day."
"My bills, daily spending and savings all get mixed up."
"I've tried everything, spreadsheets discourage me."
"My partner and I argue about money every month."
The 3F Method solves these problems — solo or together.
The 3F Method in action
Your 3F dashboard
Fixed, Flexible, Future: your 3 budget drawers at a glance. See your income split, verified bills and money left to spend.
Your flexible envelopes
Groceries, leisure, dining... Each envelope shows what's left in large, what's spent in small. Your daily budget updated in real time.
Your money left in €/day
How much can you spend today? The €/day indicator gives you the answer at a glance, with dynamic color coding.
Your savings jars
Vacation, safety cushion, projects... Track your deposits and estimated completion date. Saving becomes tangible and motivating.
Close & celebrate
At the end of each period, choose what to do with your surplus: roll over, save or treat yourself. Every win is celebrated.
Quick Add: 3 seconds flat
Log an expense in 3 taps: amount, envelope, done. No forms, no complex categorization. A budget that never slows you down.
Widget: your budget on your home screen
See your money left to spend without opening the app. The widget shows your envelopes and €/day right on your home screen.
A shared budget, without the headache
Share a joint budget via QR code. Everyone sees the same envelopes in real time — and keeps their own private ones.
As a couple
A transparent shared budget, each with private envelopes. No more money arguments — you both see the same money left to spend.
Learn more👨👩👧👦As a family
Parents and teens on the same budget. Each member has their envelopes, parents keep the big picture. Allowance becomes educational.
Learn more🏠As roommates
Rent, groceries, bills — split shared expenses in a few taps. Everyone sees what they owe, zero conflict.
Learn moreComing soon
New features are coming to make your budget even simpler.
Adaptive profiles: solo, couple, family
Personal budget, couple budget or family budget? Switch profiles in one tap. Each profile has its own envelopes and goals.
Budget under control: real user stories
“Before, I stressed every end of month. Now I know exactly where every euro goes.”
Camille, 29
“My husband and I used to argue about money. With the shared budget, we see the same thing — it's peace.”
Laura & Thomas
“The kids watch the savings gauge go up. In 3 months, we saved €1,200 for our vacation.”
Sophie & Marc
“As roommates, we never had visibility on shared bills. Now it's clear for everyone.”
Julien, 24
4.8/5 based on 2,000+ reviews · App Store & Google Play
The 3F Method: Fixed, Flexible, Future
Inspired by Japanese kakeibo and digital cash stuffing, the 3F Method organizes every euro of your income into 3 clear drawers.
Fixed
Rent, insurance, subscriptions... Verify each month that your payments went through. Zero surprises on bills.
Flexible
Groceries, leisure, dining... Visual envelopes for daily spending. See your money left to spend in real time and per day.
Future
Vacation, safety cushion, projects... Your savings jars fill at your pace with estimated completion date.
Kakeibo Method
Century-old Japanese wisdom adapted for digital. Mindful awareness and built-in reflection.
💰Digital Cash Stuffing
The TikTok envelope budgeting trend, without cash. Your envelopes fill and empty in real time.
📊Money Left & €/Day
Always know how much you have left. Your daily budget in euros per day updates with every expense.
Guides to manage your budget better
Methods, tips and tricks to take control of your finances.
Envelope Budgeting Method
The complete guide to mastering your spending with the envelope budget system.
Kakeibo: Japanese Budgeting
Discover the Japanese art of mindful budgeting with the kakeibo method.
Cash Stuffing Guide
The TikTok envelope trend goes digital. Start your cash stuffing journey for free.
Plan & Multiply Pricing — Free or Premium
Start free. Switch to autopilot with Premium — less than a coffee a week.
Budget app FAQ
Everything you need to know about the 3F Method and Plan & Multiply.
The 3F Method organizes your income into 3 drawers: Fixed (recurring bills to verify), Flexible (daily spending envelopes) and Future (savings jars). Inspired by Japanese kakeibo and cash stuffing, it's the clearest way to manage your budget.
No. Plan & Multiply works without any bank connection. Your data stays on your device. You log expenses in seconds, which takes less than 2 minutes per day.
The free version includes the full 3F dashboard, 5 flexible envelopes, money left in €/day and 2 savings jars. Premium unlocks unlimited envelopes, auto-recurring charges, family sharing, cloud sync and unlimited history.
Yes! With Premium, share a joint budget with your partner or family. Everyone sees the same envelopes in real time — and each person can also have their own private envelopes. Perfect for managing money together without a joint account or conflict.
Absolutely. Your financial data stays on your device. If you enable cloud sync, it's end-to-end encrypted. We never sell data and are GDPR compliant.
Start the 3F Method tonight
Create your first budget in 2 minutes. Fixed, Flexible, Future — organize every euro. No credit card needed.
+15,000 peaceful families · 4.8/5 on the stores
Plan & Multiply — The simple, free budget app
Plan & Multiply is a budget management app designed for families and couples. Built on the envelope budgeting method, it lets you allocate your income into digital pouches and track your money left to spend in real time — in dollars per day.
Unlike banking apps, Plan & Multiply requires no bank connection. You enter expenses manually, which makes you more aware of every dollar spent. Couple sharing works via QR code — no need to share login credentials. Your data stays on your device — 100% offline, 100% private.
The app includes a unique Serenity Score that measures your financial wellness, savings goals, and compatibility with popular methods like the 50/30/20 budget and Japanese kakeibo. Free with 3 envelopes, available on iOS and Android.