Close and celebrate
At the end of each period, choose what to do with the surplus: roll over, save, or treat yourself. Every win is celebrated.
A budget for real lifeKnow what’s left.
Find my starting point
Know what’s left.
Make room for life.
See what you have left, plan everyday spending and make space for your goals. Start with what matters to you, without connecting your bank.
Download the appExplore at your pace. No bank connection.
No bank connection neededSafe to spend in $/dayAt your own pace
What matters right now?
A starting point. Your own.
You don’t have to explore everything. Start with what helps you today.
My everyday budgetFictional example
After reserved amounts
28.50 € / day
285 € available · 10 days to cover
Upcoming billsAlready set aside
One small step. An updated view of what’s left.
Interactive demo · fictional amounts
A budget for real life
Life first. The numbers follow.
Rent, a meal with friends, a shared goal. Build your budget around your life and adjust it when things change.
Explore the guidesThe 3F Method: Fixed, Flexible, Future
A place for every euro. Room to breathe.
Inspired by Japanese kakeibo and digital cash stuffing, the 3F Method organizes your income into 3 clear drawers.
Explore the methodFixed
Rent, insurance, subscriptions… Verify each month that payments are done. Zero surprises on fixed bills.
Flexible
Groceries, fun, dining out… Visual envelopes for daily spending. See what you can spend today with every entry in $/day.
Future
Vacation, emergency fund, projects… Your savings goals take shape at your own pace with estimated completion date.
Simple, every day
Explore the demoSmall steps that move you forward.
Quick 3-second entry
Log an expense in 3 taps: amount, envelope, done. No forms, no complex categorization. A budget that never slows you down.
Widget: budget on your home screen
See how much you can spend without opening the app. The widget shows your envelopes and $/day right on your home screen.
Get out of debt
Track each loan with the avalanche or snowball strategy. Automatic paydowns, estimated payoff date, and celebration when you reach zero.
Your monthly money tasks
Each month, the app guides you with a personalized checklist: check bills, log expenses, feed your savings.
Compare your months
Visualize your progress month after month. Fixed, Flexible, Future — compare each pillar and celebrate your wins.
Plan & Multiply
Shared budget without the hassle
Invite a partner by QR code with free read-only access. Premium adds two-way sync, automatic settlement and shared savings jars.
For couples
A shared, transparent budget with private envelopes for each. No more fights — you both see the same daily budget.
For roommates
Rent, groceries, utilities — split shared expenses in a few taps. Everyone sees what they owe, zero drama.
Explore at your pace
All guidesA little clarity for what’s next.
How to Plan a Budget (Beginner Guide)
Planning on a budget for the first time? A simple 5-step method that works even with tight finances.
Read the guideEnvelope Budgeting Method
The complete guide to mastering your spending with the envelope budget system.
Read the guideKakeibo: Japanese Budgeting
Discover the Japanese art of mindful budgeting with the kakeibo method.
Read the guideAt your own pace
Plan & Multiply Pricing — Free or Premium
Free
$0forever
- 3 envelopes per tab
- Fixed · Flexible · Future dashboard
- Money left to spend, based on your entries
- Savings goals (2 projects)
Most popular
Premium
Local pricein your store
- Two-way shared editing, automatic settlement and shared jars
- Unlimited envelopes — as many categories as your life needs
- Auto-recurring charges — never forget a monthly bill again
- 12-month history & reports — see your real progress over time
- Multi-device sync — your budget, everywhere, always in sync
- Priority support — a real person replies in < 24h
7-day trial · No commitment · Local price shown by the App Store or Google Play
Budget app FAQ
The 3F Method organizes your income into 3 drawers: Fixed (recurring bills to verify), Flexible (daily spending envelopes) and Future (savings goals). Inspired by Japanese kakeibo and cash stuffing, it's the clearest way to manage your budget.
No. Plan & Multiply works without any bank connection. Budget data stays on your device by default; optional cloud features are described in the privacy policy.
Plan & Multiply Free includes 3 flexible envelopes, 2 savings goals, unlimited fixed expenses, offline mode, partner invitation and read-only sharing. Premium unlocks unlimited envelopes and goals, two-way cloud sync, automatic settlement, shared jars and extended history with a 7-day free trial.
Yes. Inviting a partner and read-only access are free. Premium lets participants edit the same budget with two-way sync, automatic settlement and shared jars while keeping personal envelopes private.
Budget data stays on your device by default and the app does not request bank credentials. Optional cloud and sharing features process data as described in the privacy policy. You can export or delete your data using the available controls.
Keep going tomorrow.
Keep your everyday budget with Plan & Multiply. Start for free, on mobile or on the web.