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

Shining a Spotlight on Digital Assets: DLT and the Future of Financial Services
Innovate Finance is delighted to invite you to our ‘Spotlight on Digital Assets: DLT and the Future of Financial Services’ event,...
Innovate Finance FinTech Investment Trends event
Location: Rise London, 41 Luke Street, Shoreditch, London, EC2A 4DP
Join Innovate Finance for an evening panel discussion at Barclays Rise on FinTech trends and investment highlights from the past...
FinTech Investment Trends Webinar
Location: Live Online
Listen to some of the most active venture investors in FinTech, the trends they are seeing across the landscape and...