Plan & Multiply — Envelopes

Taliane TCHISSAMBOU

In-app purchases

About this app

Stop wondering where your money goes. Take control of your personal finances today.

🛡️ 100% offline. Your data stays on your phone. No ads, no data selling, no account required.

Plan & Multiply is a free budget app inspired by the Japanese kakeibo method and digital cash stuffing. It turns the classic envelope system into a modern, effortless money manager. Whether you're a student, a couple, or a family — this is the kakeibo-style budget planner that actually 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 how much you can spend each day. It's cash stuffing without the cash — every dollar has a home. 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, always in your pocket.
📋 Bill tracker with checklist — Track recurring bills and fixed expenses. Check them off as they're 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.
📊 Spending tracker & charts — Visual breakdowns show exactly where your money goes each month.
🌙 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. Watch it climb as you build better money habits.

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. It's like having a personal finance coach in your pocket — except it's free.

BUDGET APP FOR COUPLES & FAMILIES (PREMIUM)

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

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. Manage your money with full privacy. Period.

Unlike YNAB ($14.99/mo) or complex money management apps, Plan & Multiply gives you real kakeibo-style envelope budgeting power for $0. No trial period. No feature walls. The zero-based budget planner that actually sticks.