Multipl: Auto-Invest To Spend

1.59K reviews
Content rating
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About this app

Pay the lowest for your lifestyle spends by auto-investing monthly - Travel, Gadgets, Smartphone, Insurance Premiums, Shopping, Anniversary Gifting, Appliances, Fitness and all other spending goals.

Multipl, a SEBI-registered app, brings to you the smartest way to plan for upcoming purchases. Invest to Spend with Multipl’s incredible model of dual benefits, i.e. gain investment returns + brand co-investments from your favourite brands on every spend.

One app, multiple benefits!

3 simple steps to maximise your benefits on every spend:

1. Make a goal. Start auto-investing.
2. Earn investment returns + Brand co-investments
3. Always win by paying lesser and earning rewards

What are brand co-investments?

When you invest for a goal, and select a relevant brand (from our list of 70+ brand partners) to later make the purchase with, that brand adds to your savings every month in the form of brand co-investments.

This brand co-investment can be redeemed in the form of a brand Gift Card or a voucher at the time of purchase. This gives you additional 5-20% savings on your brand purchases, and you end up always paying lesser for your purchases.

Some of our trusted brand partners are MakeMyTrip, Myntra, Yatra, Kalyan Jewellers, Pepperfry, Livspace, Wakefit, Bluestone, Flo Mattress, Sangeetha Mobiles, Edureka, Milagrow, Pickyourtrail, Urban Ladder, Nike, Lifestyle, Westside, Huse Segaway, Garmin, Croma, Livpure and more.

Types of Investments

Multipl provides multiple types of investment assets:

1. Personalized and Curated Commission-Free Direct Mutual Funds
2. Saving Directly With A Brand
3. Digital Gold

How Multipl ensures Risk-adjusted Returns with Automatic Personalised Investments?

- Fund selection based on your risk profile and goals
- Zero confusion. Zero commission. Zero promotion.
- Direct Mutual Funds only
- Rebalancing as per market fluctuations

We select the best investment portfolio for you from a list of 1500+ funds

Multipl Wealth Management is a SEBI Registered Investment Advisory

- We don’t take commissions from fund houses and AMCs
- We allocate direct, commission-free mutual funds
- We do not promote one fund over another
- Funds recommended by us are unbiased and after thorough market analysis

SEBI Registration Number: INA200014681

Multipl’s investment allocation framework is based on the principle of Safety, Liquidity and Returns.

What spending goals can I create on Multipl?

1. Start investing every month with a goal for your next big spend.
You can choose from a list of 100+ goals, or curate one for yourself.

One-time spends - travel, home improvements, gadgets, jewellery, bike, wedding, shopping, hobbies

Annually recurring spends - insurance premiums, children’s education, anniversary, festivals, apartment maintenance, fitness

Long-term wealth savings - retirement, emergency fund, wealth corpus, home downpayment

Stay Motivated With Exciting Rewards

- Unlock milestones, levels, and challenges and win amazing rewards
- Stay on track with your goals, pay your SIPs, and level up to earn more -rewards - Mbits, cashback, Jackpots and brand rewards
- Refer a friend, earn rewards

Multipl app is safe & secure

Complete control - Track all goals and funds performance within the app. Stop, Redeem & Withdraw your savings anytime with one-click

No data sharing - we are 100% compliant with SEBI and do not share your data with anyone without consent. We do not sell your data to anyone.

Join the Multipl Movement

Switch from saving in bank accounts, Recurring Deposits (RD) and Fixed Deposits (FD). Avoid impulsive purchases with credit cards and EMI schemes. No more Buy Now, Pay Later.

Upgrade to Invest To Spend with Multipl and enjoy more returns, more savings, and more rewards.

Join the money-smart tribe of Multipl who save more and spend responsibly.

For any help or query, write to us on
Updated on
Nov 20, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

1.58K reviews
Eshita Ranjan
November 11, 2023
The UI is smooth and easy to use. A need-of-the-hour application that helps in creating a healthy saving habit. A few things that can be worked on are the theme of the application (optional), the saved goals list and animations. • Adding the 'saved goals' in the journey tab would provide easy access to multiple saved goals. • Using animations to explain certain topics makes it easy to understand the basics terms for beginners.
4 people found this review helpful
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Multipl Fintech Solutions Private Limited
November 23, 2023
Dear Eshita, Thank you for your suggestions. We will try and incorporate them upcoming versions.
Ashin Krj
November 10, 2023
The UI looks much better now. But ever since the UI changes I have been missing the UX where I get the itineraries and travel costs per person that used to show up for various trips. This helped me choose the total amount to invest.
1 person found this review helpful
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Multipl Fintech Solutions Private Limited
November 23, 2023
Dear, Ashin! We understand this can be frustrating. We are working towards making this experience better. We would appreciate it if you could send us the details at
Chakhulis Folktales
November 3, 2023
So after one month of subscription what I found out is.. 1. I started with basic one for a month, after a month on 2nd nov, I can't access the journey section says Try again later and I have no way to stop it. 2. I tried daily investment twice and it failed. Now it's vanished. 3. Tried redeeming 2 offers link says 404 error. Mbits gone. ........Fix it......
7 people found this review helpful
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What's new

We keep improving Multipl so that you can keep on Enjoying Life, Debt Free
This update brings
- Feature improvement
- UI improvements