Everything in one finance cockpit
Built for daily tracking, long-term planning, and debt reduction.
Transaction Intelligence
Automatic merchant normalization, smart categorization via rules, MCC codes, and transaction history. Support for 19 transaction types with full split handling.
Recurring Bills & Subscriptions
Automatically detect recurring patterns, track subscription costs, and get alerted before renewals. See your total monthly commitments at a glance.
Debt & Mortgage Amortization
Full amortization schedules for mortgages with fixed/variable/mixed rates. Track liabilities, financing plans, and compare snowball vs. avalanche payoff strategies.
Shared Expenses & Reimbursements
Split bills by equal share, percentage, exact amounts, or proportional income. Track who owes whom and settle balances between household members.
Import Wizard
Parse CSV, XLSX, OFX, QFX, and CBI bank exports with smart column mapping, date detection, duplicate prevention, and batch commit with rollback support.
Executive Reports
Spending breakdowns, income analysis, net worth tracking, and cash flow reports with interactive charts, date range selection, and XLSX/CSV exports.
Four Budget Models
Category-based budgets, needs/wants/savings (50/30/20), zero-based budgeting, and envelope allocation - all with rollover and live variance tracking.
Savings Goals
Set target amounts and deadlines, link contributions to transactions, and visualize progress with percentage completion and projected completion dates.
COICOP Category Taxonomy
18 top-level categories with 120+ subcategories mapped to the international COICOP 2018 standard, with MCC code matching for automatic classification.
Security first
Your data stays yours
PEXPE is built as a secure cloud platform with enterprise-grade safeguards. No third-party ad tracking, no data resale, and strict access controls protect your financial data.
Privacy by design
Built with strict data boundaries, encrypted storage, and least-privilege access.
Encrypted at rest
All sensitive data encrypted using AES-256-GCM.
Audit trail
Every change logged with old/new values for accountability.
Household isolation
Multi-tenant with strict row-level access scoping.
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.