multipl: The simplest and smartest way to save 27% on spends. Welcome to multipl, the app that revolutionises your spending and investing habits with its unique 'spendvesting' approach. Say goodbye to traditional spending methods and hello to a world where your lifestyle spending works harder for you. What is Spendvesting? Spendvesting is a rewarding fusion of lifestyle spending and smart investing. It allows you to plan and save for both expected and spontaneous purchases via short-term inves