Plan & Multiply — 3F Budget

Taliane TCHISSAMBOU

In-app purchases

About this app

Stop wondering where your money goes. Take control of your personal finances today with the simplest budget manager app.

Plan & Multiply is your personal budget planner: the easy budget app to manage your money, track spending, and save effortlessly. 100% offline, no ads, no data selling.

Plan & Multiply organizes your money into 3 smart zones: Fixed (bills), Flexible (daily spending), Future (savings). Solo or as a couple, know exactly how much you can spend each day. The 3F Method: simple budget management that works.

THE 3F METHOD: FIXED, FLEXIBLE, FUTURE

Based on the proven 50/30/20 rule, Plan & Multiply splits your income into 3 clear pillars:
- Fixed: recurring bills and charges, checked off as paid
- Flexible: spending envelopes for groceries, dining, entertainment
- Future: savings jars with goals and countdowns

Like a digital kakeibo, you know exactly your daily budget and how much money is left to spend. It's cash stuffing without the cash — every dollar has a home. No need to calculate your budget: the app does it for you. This is zero-based budgeting without the complexity.

FEATURES THAT ACTUALLY HELP

💰 Envelope budgeting — Create digital cash envelopes for every category with real-time balances. The envelope method gives you complete spending control. Better than cash stuffing.
📋 Bill tracker with checklist — Track recurring bills and fixed expenses. Check them off as paid. Never miss a payment.
🛡️ Smart Reserve — Unallocated money is automatically protected in a Reserve envelope.
🏷️ Auto-categorization — Transactions sort themselves. Spend less time tracking, more time living.
📊 Budget tracker & charts — Visual breakdowns show exactly where your money goes. Monthly comparison included.
🎯 Smart Goals — Set savings or debt repayment goals with a guided flow and concrete tasks.
💳 Debt Management — Track your loans with avalanche or snowball strategy.
🌙 Dark mode — Easy on the eyes, day or night.
📤 Data export — Your money data is yours. Export anytime.

YOUR SERENITY SCORE

Most budget apps just show numbers. Plan & Multiply gives you a Serenity Score — a single number that tells you how healthy your finances are this month. It factors in your income coverage, spending pace, and savings progress. A simple budget tracker that motivates you month after month.

SAVINGS JARS WITH COUNTDOWN

Vacation fund, emergency savings, new laptop... Create savings jars with targets and deadlines. The Cushion jar automatically absorbs unallocated savings. Saving money becomes a game you actually want to win.

BUILT-IN MONEY COACH

Contextual coaching messages adapt to your actual spending patterns. Overspending on dining out? You'll get a gentle nudge. Crushing your savings goal? You'll get a high-five. A personal finance manager in your pocket — for free.

BUDGET APP FOR COUPLES & FAMILIES (PREMIUM)

The full budget planner is completely free. Forever. Go further with optional Premium:
- Cloud sync across all your devices
- Shared accounts for couple budget and family budget management
- Custom budget cycles (weekly, bi-weekly, custom)
- Support independent development (no venture capital, no data selling)

Free 14-day Premium trial included.

PRIVACY-FIRST & 100% OFFLINE

Your financial data never leaves your phone. No account required. No tracking. No ads. No bank linking. Plan & Multiply works fully offline — your personal finance stays personal. A free budget app with no compromises.

Unlike YNAB ($14.99/mo) or complex money management apps, Plan & Multiply gives you real kakeibo-style envelope budgeting power for $0. The easy budget planner and spending tracker that actually sticks.