Personal Financial Management


Multiply is a mobile app that helps freelancers and self-employed people get on top of their personal finances and plan for the future. We use smart technology to create unique financial plans that work in three steps:

  1. Feel stable today: Feel confident that you’re covered for life’s uncertainties, like a cash flow crisis because of a late payment, or sudden expenses like a new laptop.
  2. Future-proof your lifestyle: We’ll help you make sure that you can afford to stop working one day and get the retirement you deserve.
  3. Achieve your goals: Maybe you want to buy your first home or jet off on that dream trip – Multiply works big ambitions into an achievable plan.

At each stage we’ll tell you where to put your money, how much to deposit, and why. Your plan will cover everything you need to be thinking about: savings, investments, pensions, mortgages, and insurance – all in the same place.

Freelancer life is full of uncertainties, but feeling in control of your finances doesn’t need to be one of them.


Multiply was founded in 2016 after Vivek Madlani (CEO and Co-founder) and Mike Curtis (CTO and Co-founder) met as part of the seventh cohort of Entrepreneur First. The next year the pair raised £1.75 million in seed funding, led by Octopus Ventures. With this they’ve been building the first end-to-end consumer facing product, now available for iOS on the app store! 

Team Members

Chris Hawkins

General Manager, Multiply

Vivek Madlani

CEO and Co-Founder, Multiply

Upcoming Events

Financial Inclusion Hack – A 48 Hour Hackathon to Bank the UnBanked
Location: Royal Bank of Scotland HQ 175 Glasgow Road, Edinburgh, EH12 9SB
Hosted by Founders of the Future : Powered by RBS and Innovate Finance According to the Financial Inclusion Commission, there...
Coffee & Croissants Member Meet Up
Join us at the Innovate Finance offices on Tuesday 25th June for a morning networking session where you will hear...
AI in Financial Services: Report Launch & Drinks Reception
Location: Pinsent Masons, 30 Earl Street London EC2A 4ES
Pinsent Masons and Innovate Finance would be delighted to invite you to the launch of our joint industry report, AI...