Budget Guides
Everything you need to take control of your finances. Methods, life situations and features explained step by step.
Budgeting Methods
Proven methods to structure and manage your budget day-to-day.
The 50/30/20 Budget Rule: A Complete Guide
Learn how to apply the 50/30/20 budget rule to manage your money effectively. Needs, wants, savings — allocate your income with Plan & Multiply.
Read the guide →Envelope Budgeting Method: The Complete Practical Guide
Master the envelope budgeting method with this step-by-step guide. Learn digital cash stuffing with concrete examples and the Plan & Multiply app.
Read the guide →Life Situations
Guides tailored to your situation: as a couple, facing emergencies, or saving for a goal.
How to Budget as a Couple Without Sharing Bank Access
Learn how to manage money as a couple without sharing bank accounts. Practical guide: shared expenses, proportional splitting, and privacy-first tools.
Read the guide →How to Save for a Goal: Step-by-Step Guide
Learn how to save effectively for your goals: vacation, home, car. Methods, calculations, and tips to reach your financial targets with Plan & Multiply.
Read the guide →Emergency Budget Mode: What to Do When Your Budget Blows Up
Car breakdown, surprise bill, income loss — learn how to handle financial emergencies and build a solid emergency fund with Plan & Multiply.
Read the guide →Unique Features
What makes Plan & Multiply different: privacy, financial wellness, zero bank connection.
Budget App Without Bank Sync: Your Data Stays on Your Phone
Plan & Multiply is a budget app that works without connecting your bank. No Plaid, no aggregators — your financial data stays on your device.
Read the guide →Serenity Score: Measure Your Financial Wellness at a Glance
The Serenity Score by Plan & Multiply measures your financial health in real time. Discover this unique indicator that helps you improve your budget month after month.
Read the guide →Ready to take action?
Apply these methods directly in Plan & Multiply. Envelope budgeting, expense tracking and Serenity Score — all included.
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