Plan & Multiply: Budget

Taliane TCHISSAMBOU

In-app purchases

About this app

You know that knot in your stomach at the end of the month? You stare at your account with no idea where the money went?

Plan & Multiply isn't just a budget app. It's a calm voice that helps you take back control of your spending and climb out of the red, at your own pace, without ever judging you.

YOUR MONEY LEFT TO SPEND, EVERY DAY

No more mental math: you see your money left to spend, the amount you can actually spend today. Every dollar has its place, and you always know where you stand.

THE ENVELOPE METHOD, THE CALM WAY

Plan & Multiply is built on the envelope method (the idea behind kakebo and cash stuffing, made simpler): you split your money into spending envelopes, and the app does the math for you. A gentle way to spend without guilt and stay ahead.

WHAT YOU CAN DO

• Log an expense in 3 seconds — one gesture, that's it
• Add an expense straight from your home screen, without opening the app
• See your available money and split it into envelopes in one tap
• Track your money left to spend, per day and per envelope
• Climb out of the red step by step, and move away from debt, no pressure
• Spot price hikes and duplicates in your subscriptions
• Share a budget with your partner — free, no account needed
• Keep several budgets side by side — personal, couple, trip
• Follow your fixed bills as they come due — rent, Netflix, insurance
• Keep a long-term net-worth view — accounts, property, investments
• Work 100% offline — your data stays with you
• Use the app in 6 languages — French, English, German, Spanish, Italian, Portuguese

THE 3F METHOD

Plan & Multiply splits your income into three clear zones:
- Fixed: your recurring bills, ticked off as they go through
- Flexible: your everyday spending envelopes
- Future: your savings, with goals and deadlines

You always know exactly your money left to spend, every day.

100% YOURS

No bank connection. No scraping. No data resale. The app works offline, and your data is encrypted before any sync.

COUPLE SHARING

Inviting and read-only sharing of a budget are free. Two-way sync, automatic settling of shared expenses, and shared envelopes are Premium.

PREMIUM

Premium unlocks: two-way couple sync + auto-settle, long-term tracking across months, continuous subscription audit, shared envelopes.

Solo and Couple yearly plans. 7-day free trial. Cancel anytime from your Google Play account.

What’s new

This update makes the app gentler and more reliable:
- Dark mode is back, crisp and readable.
- Fixed an overage wrongly shown after archiving a project.
- Smoother onboarding (keyboard, progress bar, buttons).
- Fixed the Appearance screen and income display.
- More reliable available-amount calculations.
- Rethought notifications, with no pressure or guilt.