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Multiply helps freelancers and self-employed people get on top of their personal finances, for free.

First you answer a few questions about your current situation and any big goals you have, like saving for a house deposit or the trip of a lifetime. Then, our smart technology produces a simple plan of action to get you there. Your plan will have a list of recommendations across savings, pensions, insurance, and investments.

Thinking about the future (and how to afford it) is challenging, particularly when you’re self-employed and have an unpredictable income. We’ve designed Multiply with this in mind so our recommendations are based on what you can afford, not what you earn.

Multiply is available to UK Sole Traders aged 18-50 who earn under £300,000 a year.

Current features:
- Unique plan with recommendations across Savings, Investments, Pensions and Insurance
- Emergency fund calculator
- Savings account finder
- Jargon-free explanations
- Totally independent recommendations
- Free to use

We’re building Multiply so you can have the freedom you love and the stability you deserve.


Are you regulated by the Financial Conduct Authority?

We’re working on it. Multiply was accepted on the second cohort of the FCA Advice Unit (2017) and is in the current FCA Sandbox. We have submitted our FCA application for the permissions of making arrangements, with a view to transactions in investments, arranging deals in investments, and advising on investments. Pending approval, our aim is to be fully regulated to provide "advice" by the end of this year.

Right now, your Multiply plan will give you an amount and a suggestion of the type of product you should deposit it in but can only recommend savings products, like cash ISAs, specifically.

Is this app providing financial advice?
Not yet, currently the service Multiply provides is known as "guidance". If you have any questions about our regulatory status please feel free to contact us support@multiply.ai

Is my data safe?

Absolutely. We realise it can be scary to put your personal information on the internet, and even more so when it’s about your finances. So here are the things we’re doing to make sure your data is safe:

- We secure and protect your data using bank-level encryption. We will never share or sell your data.
- As part of becoming a regulated company, we’re working to meet the Financial Conduct Authority’s standards for security and data protection.
- We’ve included simplified explanations in our Terms & Conditions and Privacy Policy to make it easy to understand what you’re agreeing to.

I’m not self-employed - can I use Multiply?

Yes! Anyone in the UK, aged 18-50, who earns under £300,000 a year can create a financial plan. It works just as well for employed people as it does for freelancers.

What’s New

Version 1.5.4

We’ve clarified several fact-find questions and made some tweaks to our plan page.

Ratings and Reviews

3.5 out of 5
11 Ratings
11 Ratings
TJ Smythson ,

Beautiful user experience

Beautifully designed and makes me want to focus on my finances!


Rook Wealth Ltd.
40.5 MB
Requires iOS 9.1 or later. Compatible with iPhone, iPad and iPod touch.
Age Rating
Rated 4+
© 2018 Multiply


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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