Comparison

Plan & Multiply vs Paco

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Plan & Multiply

Take control of your finances with this intuitive budgeting app. Easily log expenses, track spending, and manage multiple budgets. It offers offline functionality and a focus on building healthy financial habits without judgment.

Highlights
  • Log expenses in 3 seconds
  • Add expenses with Siri
  • Allocate available money instantly
  • Track spending and identify price hikes
  • Share budgets with a partner
  • Manage multiple budgets simultaneously
  • Track recurring bills automatically
  • Work 100% offline
Features
Read full description

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 • 100% without a bank connection — no passwords, no scraping, fully private and yours to control • Log an expense in 3 seconds — one tap, that's it • Add an expense with Siri, hands-free — "Add an expense to Plan & Multiply" • 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, vacation 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 • Talk with Kim, a kind and discreet money coach — 100% private, no ads, no data resale • 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. Premium comes with a 7-day free trial. Monthly or yearly — the price for your country is shown in the app and on your App Store page. No commitment, cancel anytime.

About

Paco

Features
Read full description

Paco est une application de gestion de budget et de finances personnelles conçue pour vous aider à suivre vos dépenses, analyser votre budget mensuel et reprendre le contrôle de votre argent. Simple, intuitive et 100 % privée, Paco vous permet de mieux comprendre vos finances au quotidien sans connexion bancaire ni compte en ligne. Au lieu de simplement suivre vos dépenses, vous apprenez à les anticiper, les organiser et optimiser votre gestion financière. Suivi de budget simple et efficace : Saisie rapide des dépenses et revenus : ajoutez vos transactions en quelques secondes Tableau de bord financier clair : visualisez votre budget, vos dépenses et vos catégories en un coup d’œil Gestion des revenus et charges récurrentes : salaires, loyers, abonnements automatiquement intégrés à votre budget mensuel Fonctionnalités Premium de gestion financière avancée : Burn Rate (météo du budget) : visualisez votre rythme de dépenses par rapport à votre budget mensuel Lissage annuel des dépenses : anticipez vos charges annuelles (impôts, assurances) et calculez votre vrai reste à vivre Projection financière annuelle : estimation de votre solde en fin d’année basée sur vos habitudes de dépenses et revenus Analyse des dépenses mensuelles et hebdomadaires : comparez l’évolution de vos finances personnelles dans le temps Analyse par catégories de dépenses : identifiez les postes de dépenses les plus importants pour mieux gérer votre argent Application de finances personnelles 100 % privée : Aucune connexion bancaire requise Aucun compte utilisateur Aucun cloud, aucune synchronisation externe Toutes vos données financières sont stockées localement sur votre appareil. Gestion de budget et épargne simplifiée Téléchargez Paco, votre application de gestion de budget personnel, et reprenez le contrôle de vos finances, de vos dépenses et de votre épargne au quotidien.

Screenshots

Plan & Multiply4 screens
Paco4 screens

Verdict

The call

The clearest difference is update cadence: Plan & Multiply at every 4 days against Paco's every 2 weeks. Paco's advantage is iOS requirement (14.0.0 vs 16.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Plan & Multiply sells 4 in-app purchases, starting at $3.99 per month and Paco sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

Plan & Multiply ships an update every 4 days, Paco every 2 weeks. The most recent releases landed on October 24, 2026 and October 7, 2026 respectively.

Scorecard2 real differences · 8 level
Plan & Multiply versus Paco: the parameters behind the verdict, then further details
ParameterPlan & MultiplyPaco
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews68.8% of reviews—
Number of ratings1 — better—
Update frequencyEvery 4 days — betterEvery 2 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.014.0.0 — better
Further details — not scored
Size129 MB36 MB
Age rating4+4+
DeveloperTaliane TchissambouLillapp

In-app purchases

4 purchases

Plan & Multiply

Subscriptions4
  • Monthly Premium7 Days trial$3.991 Month
  • For both of you — $8.99/mo7 Days trial$3.991 Month
  • Annual Premium — 2 Months Free7 Days trial$29.991 Year
Show 1 more
  • For both of you — $79.99/yr7 Days trial$44.991 Year
2 purchases

Paco

Subscriptions1
  • Paco+ mensuel$2.991 Month
One-time1
  • Paco+ à vie$22.99

Questions

Is Plan & Multiply free?
Plan & Multiply is free to download, with in-app purchases available.
Is Paco free?
Paco is free to download, with in-app purchases available.
Do Plan & Multiply or Paco have ads?
Neither Plan & Multiply nor Paco shows ads.
Which is updated more often, Plan & Multiply or Paco?
Plan & Multiply ships an update every 4 days, and Paco every 2 weeks. Most recently, Plan & Multiply was updated on October 24, 2026 and Paco on October 7, 2026.

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