Plan & Multiply — 3F Budget
Budget for couples & family
Free · In‑App Purchases
Envelope budgeting for couples & families. Track spending, save more. Works offline.
Stop wondering where your money goes. 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: FIXED, FLEXIBLE, FUTURE
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.
KEY FEATURES
- Envelope budgeting: create digital cash envelopes for every category with real-time balances
- Smart Reserve: unallocated money is protected in an automatic Reserve envelope
- Bill tracker with checklist: never miss a payment again
- Auto-categorization: transactions sort themselves
- Visual spending tracker: clear charts show where your money goes
- Built-in money coach: gentle, data-driven nudges — not lectures
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 want to win.
PREMIUM (OPTIONAL)
- Cloud sync across devices
- Shared accounts for couples and families
- Custom budget cycles (weekly, bi-weekly, custom)
The core experience requires no subscription. No ads. No data selling.
PRIVACY-FIRST & 100% OFFLINE
Your financial data stays on your device. No account required. Plan & Multiply works fully offline. Your money, your business.
Unlike YNAB or complex money management apps, Plan & Multiply gives you real kakeibo-style envelope budgeting with no strings attached. The zero-based budget planner that actually sticks.
more v3.7.0 — Your app in your language
Deep localization
• The app is now 100% localized: dashboard, Plus tab, goal details, deposit sheet, Premium screens, onboarding, jars→goals migration. In German, Spanish, Italian, Portuguese. Following a user's feedback ("many descriptions in French"), we shipped ~70 missing keys across three waves.
Better conversion timing
• Proactive paywall between day 1 and day 7 after your first expense (non-premium only, one-shot, RC kill-switch). Goal: show Premium once you've seen the value, not in the onboarding tunnel.
• Review prompt triggered on high-value moments (good period close, NPS ≥ 9).
Friction fixes (3 user-reported SOS)
• Envelope V7.3: "Edit name and amount" tile visible in settings + ⋮ menu to delete (V3 parity).
• Transaction: reassign a transaction to another envelope with 5s undo.
• Onboarding: goals are created directly with a monthly contribution — no more "convert your jars" intermediate step.
• Fixed charges: "Subscription" toggle activates the "Subscriptions overview" card.
Sharing / shared spaces
• Permission-denied root cause fixed; discoverability + multi-space selector.
Thanks for every piece of feedback — each release feeds on it.
3.7.0 23h ago
v3.6.2 — Stability + small nudges
Pre-holidays stability sprint. What changes for you:
Fixes
• No more crash when returning from background (Samsung-reported)
• Safer data reset: countdown + local backup + confirmation
• V5 welcome screen fixed after onboarding
• Annual recap overflow: fixed
Small touches
• "Add your first expense" nudge after onboarding to take action
• "What's new" in-app to discover changes directly
• We'll ask "What's blocking you?" 7 days after sign-up, to understand where we can help better
Plus lots of under-the-hood improvements to prepare what's coming.
3.6.2 5d ago
v3.6.1 — Stability + small nudges
Pre-holidays stability sprint. What changes for you:
Fixes
• No more crash when returning from background (Samsung-reported)
• Safer data reset: countdown + local backup + confirmation
• V5 welcome screen fixed after onboarding
• Annual recap overflow: fixed
Small touches
• "Add your first expense" nudge after onboarding to take action
• "What's new" in-app to discover changes directly
• We'll ask "What's blocking you?" 7 days after sign-up, to understand where we can help better
Plus lots of under-the-hood improvements to prepare what's coming.
3.6.1 6d ago
v3.6.0 — Plan & Multiply next generation
Major overhaul — new per-universe navigation:
• Fixe — "am I safe?": bills, anti-stress assistant, subscription review
• Budget — "can I spend?": daily budget, favorites, lissé/ponctuel envelopes
• Futur — "am I progressing?": unified goals & debts, monthly validation
• ••• Plus: A-D health score, accounting view, period close
Key features
• Income banner + editable 3F distribution in one tap
• Contextual FAB per tab (Bill / Expense / Goal)
• Dismissable contextual InsightCards
• Colored health dots on the bottom nav
• Automatic "jars → goals" migration (30-day support rollback)
• Inline tasks per envelope with badge
• Full deposit history per goal
Prefer the old UI? Settings > Application > Debug V7.3 to switch back.
Fixes
• Fix FK crash on goal creation after data reset
• Full Android edge-to-edge support
• Fixed charge validation with actual amount + date entry
3.6.0 Apr 16
v3.5.3 — Financial transparency
New:
• "Where does my money go": visual cascade Income > Bills > Flexible > Savings > Daily budget
• Euro/dollar amounts visible under the distribution bar (no tap needed)
• Daily budget with context: "From $1,480 flexible · 18 days left"
• Budget/spent detail for each envelope and fixed charge
• "My day" summary in the Analytics tab
• Enriched feedback after each expense (remaining + $/day)
• Pencil icon on income for quick editing
• Auto period close banner near end of cycle
Fixes:
• False "over budget" warning on empty savings jars
• Rounding tolerance on overflow detection
3.5.3 Apr 14
v3.5.2 — Stability + UX improvements
Fixes:
• Support: stabilized ticket and admin reply display
• Budget split: sliders auto-adjust to 100% by default, with free adjustment option
• Onboarding: explicit button to edit split from the revenue screen
• Onboarding: envelope sync after editing
• Dashboard: Fixed/Flexible/Future drawers no longer show empty gray area
• Bottom buttons no longer hidden by Android navigation bar
Improvements:
• "See more" pill on dashboard, Explore, and Period Closure screens
• Red badge on Support entry when a new reply arrives
• Optimized App Store screenshots
3.5.2 Apr 12
v3.5.0 — Redesigned onboarding + Cycle fixes
New:
• Redesigned onboarding: see your budget from the 1st second
• Warm, personalized welcome screen
• Edit country, income, cycle and envelopes directly
Fixes:
• Full support for biweekly cycles
• Period closure fixed for all cycle types
• Better country detection
• Small screen improvements (iPhone SE)
3.5.0 Apr 7
What's new in v3.3.0
• Clearer Premium screen with more explicit pricing and billing information.
• Better localized Help Center content across more languages.
• Improved stability during onboarding and after first launch.
• General fixes and improvements.
3.3.0 Apr 2
What's new in v3.0.1
• Unified design: new visual identity across all screens, smooth animations and transitions.
• 25 countries supported: budget suggestions adapted to your country (France, Cameroon, Morocco, Brazil...).
• Guided first expense: onboarding helps you record your first expense right away.
• Promo codes: use a code to unlock premium features for free.
• Smart reminders: 3 notifications per month so you never forget your budget.
• Bug fixes and stability improvements.
3.0.1 Mar 28
What's new in v3.0.0
• Design overhaul: unified Design System, consistent buttons, warm Sérénité background on all screens.
• Animations: illustrated Lottie empty states, animated budget counter, shimmer loading.
• International: budget benchmarks for 25 countries (INSEE, BLS, Eurostat...) with country-specific suggestions.
• First expense: a post-onboarding guide helps you record your first expense immediately.
• Discreet NPS: satisfaction survey now appears after period closure, not at startup.
• Tech migrations: Firebase 4, Riverpod 3, GoRouter 17, Flutter 3.41.6.
• Fixes: reserve recalculated in real-time, SnackBars auto-dismiss, jar config crash.
3.0.0 Mar 27
What's new in v2.9.1
• International: the app is now available in 6 languages (FR, EN, DE, ES, IT, PT) with automatic country detection.
• Sounds & feedback: satisfying sound effects when adding expenses, reaching goals. Can be disabled in settings.
• Improved stability: fixed crashes during fast navigation and improved overall smoothness.
• Visual fixes on settings screen and onboarding.
2.9.1 Mar 26
What's new in v2.9.0
Smart Goals: set your financial goals with a guided flow and concrete monthly tasks.
Debt Management: track your loans with avalanche or snowball strategy and estimated freedom date.
Better Budget Explanation: recap screen, renamed system pockets with Auto badge.
Improved Quick Add: visible feedback and Quick Add first in the action menu.
Monthly comparison with visual month picker.
Automatic 14-day free trial.
62 code fixes and improved stability.
2.9.0 Mar 24
Welcome to Plan & Multiply V3!
New design: reimagined interface with the Serenity Palette
3 drawers: organize your money into Fixed, Flexible, and Future
Express onboarding: your first budget in 30 seconds
Couple & family budget: share your budget together
Streaks & badges: the more you return, the more you progress
TipBar: personalized daily tips
Widget: your daily spending power on your home screen
Thank you for trusting us!
2.8.0 Mar 22
v2.7.1 — Fixed budget calculations: envelope available balance is now accurate. Fixed Android widget tap crash. Fixed expense form crash. Currency and language now adapt to system settings everywhere. Full multi-currency support.
2.7.1 Mar 18
v2.7.0 — Widget fix: reliable cold start with data fully loaded. Reserve and Coussin auto-recreated
at period change with correct amounts. New project creation flow with milestones and sparkline.
Smart emoji picker. Updated user guide. 3328 tests.
2.7.0 Mar 16
v2.6.2 — Full internationalization: entire interface translated in 6 languages (FR, EN, DE, ES, IT, PT). Bug fixes (auth stability, period closure, memory leaks). 3053 automated tests.
2.6.2 Mar 14
v2.6 — Introducing the Extra Chest! Store your surplus money and reallocate it anytime. At each period closure, choose from 5 options: keep in Extra, save for the Future, top up an envelope, fund a Project, or treat yourself. Simplified 2-screen onboarding with auto-generated budget. Visual verdicts per zone at closure (OK/!/X), health status pills on drawers, and smart contextual tips. Bug fixes and navigation improvements.
2.6.0 Mar 10
Bug fixes and improvements:
• Fixed startup crashes (5 crash vectors resolved)
• Fixed a crash when closing form sheets
• New guided setup: create your envelopes from the very first launch
• Unallocated budget indicator
• Simplified fixed charges
• Support for 6 languages with localized screenshots
2.0.4 Mar 1
Plan & Multiply 2.0 — completely rebuilt from the ground up.
- Envelope budgeting: allocate your variable expenses into envelopes
- Emergency rebalancing (Coup Dur): reallocate when a category runs low
- Savings goals with progress tracking
- Serenity Score: see your financial health at a glance
- Contextual tips adapted to your spending habits
- Dark mode, multiple currencies (EUR, USD, GBP)
- Cloud migration from v1 data
2.0.3 Mar 1
Nous avons écouté vos retours et apporté des améliorations importantes !
Cette mise à jour se concentre sur la résolution de problèmes qui impactaient votre expérience :
* **Accès rétabli :** Nous sommes heureux d'annoncer que le problème qui bloquait l'accès à l'application pour certains d'entre vous a été complètement résolu. Nous nous excusons pour la gêne occasionnée.
* **Transactions complètes :** Un bug qui masquait certaines de vos transactions a été corrigé. Votre historique devrait maintenant refléter l'ensemble de vos opérations.
Nous vous remercions pour votre patience et votre compréhension pendant que nous travaillions à la résolution de ces problèmes. N'hésitez pas à nous contacter si vous rencontrez d'autres soucis ou si vous avez des suggestions.
L'équipe Plan & Multiply
1.4.4 04/17/2025
Nous avons écouté vos retours et apporté des améliorations importantes !
Cette mise à jour se concentre sur la résolution de problèmes qui impactaient votre expérience :
* **Accès rétabli :** Nous sommes heureux d'annoncer que le problème qui bloquait l'accès à l'application pour certains d'entre vous a été complètement résolu. Nous nous excusons pour la gêne occasionnée.
* **Transactions complètes :** Un bug qui masquait certaines de vos transactions a été corrigé. Votre historique devrait maintenant refléter l'ensemble de vos opérations.
Nous vous remercions pour votre patience et votre compréhension pendant que nous travaillions à la résolution de ces problèmes. N'hésitez pas à nous contacter si vous rencontrez d'autres soucis ou si vous avez des suggestions.
L'équipe Plan & Multiply
1.4.3 04/17/2025
# Mise à jour 1.4.2 — Plan and Multiply
---
## Nouveautés majeures
L’application **E-Pocket Budget** devient **Plan and Multiply**.
Une nouvelle identité, une expérience plus fluide, et de nombreuses évolutions.
---
## Améliorations
- **Multi-comptes et partage** : ajoutez plusieurs comptes, partagez-les avec d’autres utilisateurs, et échangez au sein de chaque compte.
- **Assistant intelligent (premium)** : un assistant personnel pour vous accompagner dans la gestion de vos finances.
- **Analyse repensée** : une meilleure lisibilité pour mieux comprendre vos dépenses et vos économies.
- **Transactions plus fluides** : amélioration de la rapidité et de la réactivité de l’application.
- **Synchronisation optimisée** :
- Version premium : mise à jour toutes les 10 secondes.
- Version gratuite : toutes les 1 à 5 minutes selon l’activité.
---
## Bugs corrigés
### Bouton "Support" dans les réglages
Le bouton *Support* redirige désormais correctement vers votre application de messagerie.
Vous pouvez contacter l’équipe à tout moment à l’adresse : **support@planandmultiply.fr**
### Gestion des poches (comptes non premium)
- Le nombre de poches disponibles pour les utilisateurs non premium est désormais correctement limité à **trois**.
- La suppression d'une poche ne provoque plus d’effets de bord ou d’incohérences.
---
## Remerciements
Merci pour vos retours, vos idées et votre fidélité.
Nous restons à l’écoute pour continuer à faire évoluer **Plan and Multiply** avec vous.
1.4.2 04/14/2025
Nouveautés de la dernière version de Plan and Multiply
(anciennement E-Pocket Budget)
Nouveau nom et nouvelle identité : E-Pocket Budget devient Plan and Multiply.
Gestion multi-comptes : il est désormais possible d’ajouter plusieurs comptes, de les partager avec d’autres utilisateurs et d’échanger facilement au sein de chaque compte.
Un assistant intelligent (inclus dans l’abonnement premium) est disponible pour vous aider à gérer votre budget plus efficacement.
La page d’analyse a été repensée pour une meilleure lisibilité et une compréhension plus claire de vos finances.
Les transactions sont désormais plus rapides et fluides à l’utilisation.
Le système de synchronisation a été optimisé : en version premium, les transactions sont mises à jour toutes les N secondes ; en version gratuite, toutes les 1 à 5 minutes selon l’activité.
Correction de l’ensemble des bugs connus pour améliorer la stabilité et l’expérience utilisateur.
Merci pour vos retours, vos idées, et votre fidélité.
1.4.1 04/13/2025
Vos retours sur les bugs en cours
Nouvel onglet analyse
1.3 03/15/2024
Correction de bug sur l'affichage sur certains Iphones; aide non accessible.
Nouvel onglet : opportunités.
1.2 02/21/2024
v3.7.0 — Your app in your language
Deep localization
• The app is now 100% localized: dashboard, Plus tab, goal details, deposit sheet, Premium screens, onboarding, jars→goals migration. In German, Spanish, Italian, Portuguese. Following a user's feedback ("many descriptions in French"), we shipped ~70 missing keys across three waves.
Better conversion timing
• Proactive paywall between day 1 and day 7 after your first expense (non-premium only, one-shot, RC kill-switch). Goal: show Premium once you've seen the value, not in the onboarding tunnel.
• Review prompt triggered on high-value moments (good period close, NPS ≥ 9).
Friction fixes (3 user-reported SOS)
• Envelope V7.3: "Edit name and amount" tile visible in settings + ⋮ menu to delete (V3 parity).
• Transaction: reassign a transaction to another envelope with 5s undo.
• Onboarding: goals are created directly with a monthly contribution — no more "convert your jars" intermediate step.
• Fixed charges: "Subscription" toggle activates the "Subscriptions overview" card.
Sharing / shared spaces
• Permission-denied root cause fixed; discoverability + multi-space selector.
Thanks for every piece of feedback — each release feeds on it.
more Version 3.7.0 23h ago
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