Plan & Multiply: Budget

Your balance isn't what you can spend. Plan & Multiply shows you what's really left to spend. It's a budget that adapts to you: what's already planned, what's left, month after month. Without judging you. WHAT YOU CAN DO • 100% without a bank connection — no passwords, no scraping, fully private and yours to control • Log an expense in 3 seconds — one tap, that's it • Open a new expense with Siri — "Add an expense to Plan & Multiply" • See your available money and allocate it in one tap — you decide, the app recalculates • See exactly what you can spend today — no more mental math • Spot price hikes and duplicate subscriptions — the app points them out • Share a budget with your partner — free, no account needed • Run several budgets in parallel — personal, shared, or a simulation • Track recurring bills that match themselves automatically — rent, Netflix, insurance • Build healthy habits month after month, at your own pace • Keep an overview of your net worth — the accounts and assets you add yourself • Split your budget in 3 — Bills, Daily, Projects, grown-up and simple • Use the app offline — everything is stored on your phone • Talk with Kim, a kind and discreet money coach — no ads, no data resale • Use the app in 6 languages — English, French, German, Spanish, Italian, Portuguese COUPLE SHARING Inviting a partner and both adding to a shared budget are free. With Premium, your shared space syncs automatically, and it only takes one of you to have Premium. 100% YOURS No bank connection. No scraping. No data resale. The app works offline. When you share or back up, your data travels and is stored encrypted. PREMIUM Premium unlocks: automatic couple sync for your shared space, analysis across several months, the amount at stake on subscription hikes and duplicates. For a first individual Premium subscription, a 14-day free trial if you're eligible: the exact length is shown before you confirm. Monthly or yearly — the price for your country is shown in the app and on your App Store page. No commitment, cancel anytime.