Emrys Pay vs Plan & Multiply

The Emrys Loyalty Programme offers its members the chance to earn rewards in return for all purchases made in local store, large national retailers and with our merchant partnerships.

You know that knot in your stomach at the end of the month? You stare at your account, no idea where the money went? Plan & Multiply isn't just a budget app. It's a calm voice that helps you take back control, without judging you. WHAT YOU CAN DO • Log an expense in 3 seconds — one tap, that's it • Add an expense with Siri, hands-free — "add 24 to Groceries", without opening the app • 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 • Catch price hikes and duplicate subscriptions — the app alerts you before you pay • Share a budget with your partner — free, no account needed • Run several budgets in parallel — personal, couple, holiday project • Track recurring bills that match themselves automatically — rent, Netflix, insurance • Build healthy habits month after month — no childish badges or levels • Keep a long-term wealth view — accounts, real estate, investments • Split your budget in 3 — Bills, Daily, Projects, grown-up and simple • Work 100% offline — your data stays with you • Read a financial coach that never leaves your phone — no Cloud, no remote AI • Use the app in 6 languages — English, French, German, Spanish, Italian, Portuguese COUPLE SHARING Inviting a partner and read-only sharing of a budget are included for free. Two-way sync, automatic settlement of shared expenses and shared jars are Premium. 100% YOURS No bank connection. No scraping. No data resale. The app works offline, and your data is encrypted before any sync. PREMIUM Premium unlocks: two-way couple sync + auto settlement, long-term tracking across months, continuous subscription audit, shared jars. Solo 34.99 €/year. Couple 49.99 €/year. 7-day free trial. Cancel anytime from your App Store.