Multipl: Invest To Spend 12+

Save up, get multiple rewards

Multipl Wealth Management Private Limited

Designed for iPad

    • 4.4 • 351 Ratings
    • Free



A new way to spend. By Investing.
Pay less for Travel, Gadgets, Home, Insurance Premiums, Shopping, Anniversary Gifting, Appliances, Fitness and 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 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, tax savings, 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

It’s time to move on 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

What’s New

Version v.1.15.28

This update brings
- Feature improvement
- Bug Fixes

Ratings and Reviews

4.4 out of 5
351 Ratings

351 Ratings

Vvaradha ,

A financial friend!

Recently, I came across the multipl App, and I was immediately drawn to its unique concept of helping users 'save and spend more.' After carefully analyzing its features, I decided to give it a try and started using it to plan all my expenses ahead. The app has proven to be a valuable tool for my financial management.

One of the standout features is its seamless integration of saving and spending. It offers a comprehensive approach that encourages responsible financial habits while allowing me to enjoy life to the fullest. By setting clear savings goals for my expense ahead, I've gained better control over my finances.

Multipl has significantly improved my money management skills, and I've noticed a positive impact on my savings. With its user-friendly interface and helpful budgeting tools, planning my expenses has become much more manageable. I can confidently say that this app has become an indispensable part of my financial routine.

Rajeshkumar vasudevan ,

Felt good app for saving

I learned about Multipl through Instagram, and what differentiates Multipl from the rest is that it genuinely helps you pay the lowest on your spends. It's not unlike the other fintech companies, which, after giving you cashback in the initial phase, force you to take a loan. Along with providing you with market returns, they have partnered with top lifestyle brands that co-invest with you in your investment journey and provide exclusive benefits. Though I have created one goal for now, I could make many more soon. The app is a game-changer and a must-have.

Christina Ramya Sudha ,

Truly the best app to live life debt free

Came across this app through A fin-influencer, the concept of saving money with additional benefits is amazing. Immediately started a goal and here I am writing a review after the completion of it.
A must try app especially for the youth. Special mention to Jags the Co-founder for carefully monitoring all the customers and Dash the Manager to make the whole process seem less and even working on the weekends to consider my request and give me the final voucher on time.
Highly recommend!

Developer Response ,

Thanks for your review! Please recommend our app to your friends, and don’t hesitate to shoot us a note at if you have any questions.

App Privacy

The developer, Multipl Wealth Management Private Limited, 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 Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Contact Info

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

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