What if looking at your accounts was no longer scary?
Plan and Multiply is the first financial companion that replaces number anxiety with a clear horizon. Local intelligence when possible. Secure intelligence when necessary.
- ✓ No bank connection required
- ✓ No account, no email
- ✓ 100% private, directly on your phone
What everyone goes through
Open. See red. Close.
You open your banking app, see worrying numbers, and close it immediately. It's not a lack of discipline — it's mental overload.
Complex spreadsheets
Most financial tools ask you to track tables, categorize expenses, and analyze amounts constantly.
Decisions under stress
You're forced to make financial choices when you're already anxious. The result: avoidance, then guilt.
Tools that judge
Budget apps show red when you 'overspend.' They measure performance. You need clarity, not a grade.
Plan and Multiply transforms your financial doubts into a clear horizon and a precise trajectory. Whether your income is fixed or variable, go from the big picture (Horizon) to the details (Precision Mode) in a single tap — only when you need it.
How It Fits Your Day
No spreadsheet. No analysis. Just clarity when you need it.
The Silent Check
10 seconds. You glanced at your accounts? That's enough.
- ✓ A simple silent check-in
- ✓ No numbers to enter
- ✓ Your Horizon updates itself
- ✓ Move on with your day
You checked. That's already progress.
The Quick Note
30 seconds. An unexpected expense? Note the impact.
- ✓ Log by feeling: light, moderate, significant
- ✓ The app converts signals into trajectory
- ✓ No calculation needed
- ✓ Your Horizon adjusts
You noted it. You can let go.
The Guided Reflection
2 minutes. A doubt, a project, a tight month-end?
- ✓ The Copilot guides you step by step
- ✓ One question at a time
- ✓ Clear options, no jargon
- ✓ Your decision, recorded in the Success Vault
You decided. Calmly.
The 4 Pillars of Trust
Radical Anonymity
No name. No email. No identifier. Your data lives only on your device.
Precision On Demand
Keep your head in the clouds (Horizon) and your feet on the ground (Precision Mode). The app calculates the impact of each decision on your real available balance.
Zero Bank Connection
You keep manual control. No access to your real accounts. No sensitive permissions.
The Success Vault
Instead of a spending history, Plan and Multiply preserves the essential: decisions made with serenity, months mastered, projects validated consciously.
Decisions, Not Calculations
Don't ask how much is left. Ask whether your project is possible.
Living Memory
A phone call? Low battery? Plan and Multiply keeps your reflections warm. Resume your Copilot conversations exactly where you left off.
Freedom Days
Saving is not a sacrifice. It's gaining days of freedom toward your life goal. See your progress in time, not in money.
The Gentle Vigilance
Money should not be a source of permanent noise, but the quiet engine of your aspirations.
Clarity is a right, not an effort — looking at your accounts shouldn't require courage
Feeling before amount — 50 € don't weigh the same for everyone. Your Horizon mirrors your mental load, not just your balance
Sovereignty through anonymity — no bank connections, no online accounts. Your data lives and dies on your phone
Decide together, stay free — money between two should be a bridge, not a wall
Saving 50 € is not a sacrifice — it's gaining 2 days of freedom toward your life goal
Who It's For
If money is a source of worry — this is for you.
Financial stress is real
“I open my banking app, see a negative number, and close it immediately. It's been like this for months. I just can't deal with it.
Marketing Manager, 32Discovery interview
“My partner and I argue about money every month. Not because we spend too much — because we can't talk about it calmly.
Freelance Designer, 28Discovery interview
“I've tried budget apps. I give up after a week. Too many categories, too many numbers. I just want to know if I'm okay.
Teacher, 41Discovery interview
Start Free — Upgrade When You're Ready
Free
Everything you need to see your Horizon clearly.
- ✓ Silent Check — daily check-in
- ✓ Quick Notes — log by feeling
- ✓ Personal Horizon view
- ✓ Success Vault — your decision archive
- ✓ Copilot — guided reflections
- ✓ Living Memory — resume interrupted conversations
Free forever. No account needed.
Premium
For couples and those who want full precision.
- ✓ Everything in Free
- ✓ Precision Mode — real numbers when you need them
- ✓ Shared Horizons — joint projects without exposing personal spending
- ✓ Duo connection via QR code — no account to create
- ✓ Variable income support — adaptive trajectory
- ✓ Freedom Days counter — see progress in time, not money
Pilot your life, not just your accounts.
Frequently Asked Questions
Is the app available now? +
Why no bank connection? +
How does it work without real numbers? +
Can I use it with my partner? +
Is my data really private? +
What if I get interrupted mid-conversation? +
Start Now
No spam. Just one notification when the app launches.