PExP — Personal Ledger
Make your money obey truth, not vibes.
PExP is a private personal finance ledger built for people who want real clarity over their money. No bank linking. No algorithms guessing your spending. Just you, your entries, and the truth about where your money goes.
Whether you're managing a household in Dubai, sending remittances from London, or building financial discipline in Lagos — PExP works for your life, your currency, and your values.
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CORE FEATURES
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📒 MULTI-ACCOUNT LEDGER
Track income, expenses and transfers across multiple accounts — cash, bank, card — all in one private ledger.
💳 DEBT TRACKER
Log what you owe and what you're owed. Set due dates and get reminded before payments are late. Never lose track of a debt again.
📊 ANALYTICS & REPORTS
See where your money actually goes. 6-month income and expense trends, daily spend charts, top category breakdowns, and member contribution reports.
🤖 AI FINANCIAL ASSISTANT
Ask your own data questions. "How much did I spend on food last month?" "What's my net position this year?" Get honest, clear answers powered by your real numbers — not generic advice.
👨‍👩‍👧 SHARED FAMILY LEDGER
Invite your spouse, family member or financial accountability partner to view your ledger. Role-based access — Viewer, Member or Admin. Financial transparency for households and couples.
🎯 BUDGET GOALS
Set monthly budget targets per category and track actual vs budget in real time. Know exactly where you stand before the month ends.
📄 PDF MONTHLY REPORTS
Generate a full monthly report — summary, categories, transactions, budget goals and debts — in one tap. Share it with your accountant, spouse or mentor.
📥 CSV EXPORT
Download your complete ledger as a spreadsheet anytime. Your data, your format, your control.
🔔 SMART NOTIFICATIONS
Daily entry reminders, debt due alerts, month-end prompts and stewardship encouragement. Stay consistent without forgetting.
🌍 MULTI-CURRENCY SUPPORT
AED, USD, GBP, NGN, EUR, KES, GHS and 50+ currencies. Built for people who live across borders.
📷 RECEIPT SCANNING
Capture and attach receipts to entries directly from your camera or gallery.
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WHO IS PExP FOR?
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PExP is built for intentional people — those who see managing money as a responsibility, not just a task.
It's especially loved by:
→ Families and couples who want shared financial visibility
→ Expats managing money across multiple currencies and countries
→ People of faith who view financial stewardship as a spiritual discipline
→ Anyone in markets where bank-linking apps simply don't work — UAE, Nigeria, Ghana, Kenya, India and beyond
→ Professionals who want clean records without giving an app access to their bank
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PRIVACY FIRST
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PExP never connects to your bank account. We never sell your data. Every entry you make belongs to you — export it, delete it, or take it with you anytime.
No ads. No tracking. No data brokers. Just your ledger.
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PRICING
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Core features are completely free — unlimited entries, debt tracking, dashboard and monthly summaries.
Lifetime access to full analytics, AI mode, PDF reports and budget goals is available as a one-time purchase at pexp.cotek.app.
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ABOUT
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PExP is built by Cotek App FZ-LLC, a UAE Free Zone company based in Ras Al Khaimah. We are a small, independent team building tools that honour the people who use them.
Website: pexp.cotek.app
Support: support@cotek.live
Privacy: pexp.cotek.app/privacy
Terms: pexp.cotek.app/terms
"Quiet systems age well."