PExP - Personal Expense

Privacy-first professional finance platform. Track every dirham, dollar, and cent — without giving your data away.

PExP is your professional finance ledger — built for people who want full control of their money without giving their data away.

No ads. No data selling. No subscriptions required to get started.

TRACK EVERYTHING Record expenses, income, and transfers across multiple accounts. Every entry is yours — exportable, searchable, and always private.

BUDGET WITH PURPOSE Set monthly budgets per category. See your health score, spending pace, and month-end projections in real time. Plan every dirham before it moves.

AI-POWERED INSIGHTS Ask your ledger anything. PExP's built-in AI analyses your spending patterns and gives you honest, personalised financial feedback.

DEBT TRACKER Track who owes you and what you owe. Set due dates, log repayments, and watch balances resolve over time.

BANK STATEMENT IMPORT Upload a PDF bank statement and let AI extract and categorise every transaction for your review. Fast, accurate, and private.

SHARED FAMILY LEDGER Invite family members to a shared ledger. See the full picture together without losing individual privacy.

EXPORT ANYTIME Download your data as PDF or CSV. Your ledger belongs to you — always.

BUILT ON STEWARDSHIP PExP is built by Cotek App, a UAE-registered technology company. We believe money is a tool, not an identity. Manage it wisely.

1% of revenue goes to environmental causes via Stripe Climate.