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.

Ratings & Reviews

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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.

Version 3.6.1

The developer, Taliane Tchissambou, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Contact Info
    • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Accessibility

The developer has not yet indicated which accessibility features this app supports. Learn More

Information

Seller
  • Taliane Tchissambou
Size
  • 93.4 MB
Category
  • Finance
Compatibility
Requires iOS 14.0 or later.
  • iPhone
    Requires iOS 14.0 or later.
  • iPad
    Requires iPadOS 14.0 or later.
  • iPod touch
    Requires iOS 14.0 or later.
  • Apple Vision
    Requires visionOS 1.0 or later.
Languages
  • English
Age Rating
4+
In-App Purchases
Yes
  • Annual Premium — 2 Months Free $39.99
  • Monthly Premium $3.99
  • Learn More
Copyright
  • © 2026 Plan & Multiply
  • Developer Website
  • Privacy Policy
  • License Agreement

    • Supports

    • Family Sharing

      Some in-app purchases and subscriptions may be shareable with your family group when Family Sharing is enabled. Learn More

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