Calm finance operating system
Own your money decisions with institutional-grade clarity.
PEXPE unifies spending, budgets, debt payoff, subscriptions, and cash flow forecasting into one premium household finance workspace, so every money decision is made with clarity.
This month
Savings rate
37%
4.2%Debt ratio
22%
1.4%Core household finance capabilities
Unified cash flow
Track every account and transaction in one ledger with deterministic categorization and real-time balances.
Debt strategy engine
Compare snowball and avalanche payoff plans with projected interest savings and payoff timelines.
Smart budgeting
Run category budgets, envelope plans, and 50/30/20 logic with rollover and live variance indicators.
How it works
Three steps to financial clarity
Set up once, then PEXPE works for you - automatically categorizing, tracking, and alerting.
Create your workspace
Set up your household, invite family members, and configure your preferred currency and timezone.
Add accounts & import
Add checking, savings, credit cards, and investment accounts. Import CSV, XLS, XLSX, OFX, QFX, CBI, or PDF files.
Track & optimize
Watch dashboards update in real-time. Set budgets, track goals, and compare debt payoff strategies.
Full feature set
Everything you need for household finances
19 Transaction Types
From purchases and salary to dividends and loan payments.
COICOP Categories
18 categories with 120+ subcategories mapped to international standards.
4 Budget Models
Category, 50/30/20, zero-based, and envelope budgeting.
Executive Reports
Spending, income, net worth, and cash flow with drill-down.
Subscription Tracking
Detect recurring bills automatically and monitor total commitments.
Shared Expenses
Split bills, track who owes what, and settle balances.
Import Wizard
CSV, XLS, XLSX, OFX, QFX, CBI, and PDF with smart column mapping and deduplication.
Mortgage Tracking
Amortization schedules with principal/interest breakdowns.
Switch to yearly and save up to 17%.
Starter
€0
/month
For individuals getting started with daily tracking.
- Unlimited transactions
- 2 accounts
- Basic charts
Pro
€9.99
/month
For serious planners who need automation and advanced analytics.
- Budgets and goals
- Debt strategy
- Import wizard
- Advanced reports
Household
€19.99
/month
For families and couples managing shared finances together.
- Everything in Pro
- Multi-member household
- Shared expense settlement
- Priority support
256-bit
AES Encryption
100%
Private by default
Multi-tenant
Household isolation
GDPR
Privacy compliant
Start building financial confidence
Stop guessing where money goes each month.
Create your household workspace, connect accounts, and let PEXPE reveal the spending patterns that matter.