Plan & Multiply — 3F Budget
Envelopes · Couple · Family
Free · In-App Purchases
Your monthly budget with the envelope method. Spending tracker, savings goals and couple budget. 100% free and 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 pound 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-categorisation: 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
Holiday 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
This app has not received enough ratings or reviews to display an overview.
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.
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
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Size
- 88.6 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+
- 4+
- In-App Purchases
Yes
- FRANCAIS 4,99 €
- Français 44,99 €
- Provider
Taliane Tchissambou
- Taliane Tchissambou has not identified itself as a trader for this app. If you are a consumer in the European Economic Area, consumer rights do not apply to agreements between you and the provider.
- Copyright
- © 2026 Plan & Multiply
