Personal & Multi-Platform Finance OS

Know What You Own &
What You Can Spend Today.

Track bank accounts, mobile wallets (KBZPay, WavePay, CB, AYA), cash, receivables, and multiple business platforms in one continuous ledger — without mixing your personal savings with partner funds.

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Spendable vs. Set-Aside Cash Owned & Partner Platforms Isolated Workspaces
2 Numbers
Net Worth & Spendable Cash
3 Modes
Personal, Owned & External Books
1-Row
Atomic Wallet Transfers
Excel Sync
Workbook Import & Export
14 Days
Free Trial — No Card Needed
Built for Real Money Flows

Everything Your Spreadsheet Did — Without the Errors

Designed around how founders, freelancers, and small businesses actually use shared digital wallets, bank accounts, and partner funds.

Spendable vs. Set-Aside Wallets

Mark each wallet as Spend Today, Set Aside (savings), or Not in Hand (clearing). Always know what you can safely spend right now without touching reserves.

Multi-Platform P&L (Books)

Separate Personal living expenses, 100%-Owned side businesses, and External partner funds even when they share the same KBZPay, WavePay, or bank accounts.

Excel-Speed Continuous Entry

Type transactions back-to-back with the in-table spreadsheet bar on desktop or the touch-optimized quick card and 2-column banking view on mobile.

Receivables & Debt Tracking

Lending and collecting update debtor balances and wallet cash atomically as assets — never distorting your monthly income or expense P&L. Supports bad-debt write-offs.

Workbook Import & Webhooks

Import existing Excel Income/Expense trackers and Share Profit sheets directly, or connect external platforms via HMAC-verified income webhooks.

Savings, Credits & Investments

Track dedicated savings goals, outstanding loans/liabilities, and investment portfolios with live gain/loss calculations and full Net Worth breakdowns.

Simple Onboarding

Up and running in 3 steps.

Start with your own wallets in under a minute. Add owned businesses or partner platforms only when you need them.

1. Create Your Workspace & Wallets

Sign up with email or Google. Add the bank accounts, mobile wallets (KPay, WavePay, CB, AYA), and cash accounts you actually use, and mark savings as Set Aside.

2. Record Transactions or Import Excel

Log income, expenses, and single-row wallet transfers continuously, or import your existing monthly Excel tracker in seconds.

3. Read Your Two Key Numbers

Check Overview anytime: Net Worth shows everything you own minus debts, while Spendable Cash shows what is truly available to spend today.

Built to Scale

Enterprise-Grade Accounting & Security

Every mutation is protected by database transactions, row-level locks, idempotency hashes, and strict tenant isolation.

Database-Level Multi-Tenancy
Global TenantScope isolates every ledger, wallet, and platform
DB-Backed Idempotency
SHA-256 payload hashing prevents duplicate transactions on retries
Role-Based Category Math
Separates operating P&L from lending, collections, and transfers
Manual Slip Subscription Flow
Upload KBZPay/WavePay/Bank receipts with instant admin approval
Immutable Security Audit Log
Tracks billing, role, and workspace changes with secret redaction
Mobile-First Banking UX
2-column responsive tables, bottom nav bar, and dark mode
Laravel 11 Sanctum v4.3 Google OAuth MySQL 8 Bootstrap 5 Idempotent Ledger API XLSX Workbook Importer HMAC-SHA256 Webhooks 119+ Automated QA Tests
Transparent Pricing

Plans for every stage.

Start free. Upgrade anytime via KBZPay, WavePay, CBPay, AYA Pay, or bank transfer receipt upload.

Free Trial

Full access for 14 days. No credit card required.

$0
to start
  • 8 wallets
  • 5 platforms
  • 1 income sources
  • 1 team users
  • Unlimited transactions
  • 14-day trial, no card
Start Free
Basic

Perfect for individuals tracking personal finances.

$9.99
/month
Save $30 a year on the yearly price
  • 8 wallets
  • 5 platforms
  • 2 income sources
  • 1 team users
  • 500 transactions / month
Get Started
Most popular
Premium

For families and small businesses. Unlimited sub-accounts.

$24.99
/month
Save $70 a year on the yearly price
  • 20 wallets
  • 20 platforms
  • 10 income sources
  • 5 team users
  • Unlimited transactions
Get Started
Enterprise

Full platform access with dedicated support.

$99.99
/month
Save $300 a year on the yearly price
  • Unlimited wallets
  • Unlimited platforms
  • Unlimited income sources
  • Unlimited team users
  • Unlimited transactions
Get Started
Common Questions

Frequently Asked Questions

How PFinance separates what you own from what you can spend today.

Two numbers. Net worth is what you own minus what you owe. Spendable cash is what you can safely use today.

  • Spend today is the only money counted in your spendable number.
  • Set aside is still yours (such as savings). It stays in net worth and out of spendable cash.
  • Not in hand has been received, but not withdrawn yet. It stays in net worth.

Add each venture under Platforms. Mark a business you own as Owned — its profit is yours. If someone else’s money sits in your wallet, mark that platform External and enter the held fund so PFinance subtracts it from your spendable cash automatically.
See More FAQs

Ready to take control of your finances?

Provision your workspace in seconds. No credit card required for the 14-day free trial.

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