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PFEx
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Study it like a stock

You hold it every day.
You rarely study it.

You read filings, track drawdowns and study research for a company you own a few shares of. Your own money moves every day too: salary in, spending out, balances shifting. You just rarely watch the tape.

Accounts · Quotes

Every account has its own quote.

A bank card, cash, a wallet app: no longer just a balance. Every entry moves it, and the price keeps printing.

Payroll cardBank account
$12,486.20
▲ 2.14%
WeChat PayWallet
$3,208.55
▼ 1.06%
AlipayWallet
$6,010.07
▲ 0.38%
Net worth
$21,704.82
▲ 4.82%Price 20-day MA

One account tells you what happened. The curve tells you where you stand.

Quotes · Candles

One day of spending, one candle.

Spend more, and the candle grows taller; the wicks record the day's high and low. Switch between day, week and month to see the same money at different scales.

SPEND KLINE · 30D
PERIOD SPEND$10,281.10▼ 3.50%
09-1610-15

Money flow

See where the money went.

Income, spending and transfers between accounts are three different things. PFEx keeps them apart and puts every entry back in its place along the timeline.

MONEY FLOW · 24 ENTRIES24 tx
09-23BREAKFASTWECHAT PAY-$12.50
12:30TRANSITALIPAY-$6.00
19:44DINNER & MOVIEALIPAY-$128.60
09-24COFFEEWECHAT PAY-$32.00
21:18LIVESTREAM TIPALIPAY-$200.00
09-25CANTEENPAYROLL CARD-$18.00
09-26PHONE BILLPAYROLL CARD-$59.00
09-27DELIVERYALIPAY-$42.00
09-28SALARYPAYROLL CARD+$8,600.00
12:40CHECKUPALIPAY-$360.00
09-29BREAKFASTWECHAT PAY-$9.50
22:15GAME TOP-UPWECHAT PAY-$648.00
09-30GROCERIESALIPAY-$215.80
10-01FEASTALIPAY-$428.00
10-02TICKETWECHAT PAY-$60.00
10-03RAIL HOMEPAYROLL CARD-$553.00
10-04DELIVERYALIPAY-$38.50
10-05BARBERWECHAT PAY-$45.00
10-06MIDNIGHT SNACKALIPAY-$66.00
10-07ONLINE BUYALIPAY-$199.00
10-08CANTEENPAYROLL CARD-$16.00
10-09TAXIALIPAY-$24.80
19:20FRESH FOODWECHAT PAY-$87.60
10-10COFFEEWECHAT PAY-$28.00
NET$0IN$0OUT$0
$8.1k$0-$498.109-2319:4421:1809-2609-2809-2909-3010-0210-0410-0610-0819:20

Budgets · Plans

Give the money a plan.

Recurring budgets cover daily life. Plan budgets cover one goal. As trades keep coming, the room keeps moving.

Spend ETF · all accounts
66%Remaining
Risk limit$500.00
Outflow$170.00
Volume12 tx
Today $9.70
Burn paceVolume
500.00250.000.00-250.00
10-0610-1810-2911-09

On pace to run dry by 11/16

Desk · Conversation

Ask your ledger. Out loud.

Check a number, move a budget, log a trade. Say it once. The desk reads your books, does the math, and answers.

DeskOnline

How much did I spend on delivery this month?

14 orders, $386.40 total, 21% more than last month. Nine of them after 10pm.

Dining budget raised to $1,200
Ask anything, or say “halve my coffee budget”↑

Review

When the period closes, the data reviews it for you.

Asset change, account contribution, cash-flow structure and max drawdown, all on one page. The leaderboard marks the period's largest flows; the AI research desk turns them into a report.

Asset change
+4.82%
This month
Max drawdown
-6.31%
Last 90 days
Net flow
+$8,420.00
This month
Top contributor
Payroll 62%
By account
AI RESEARCH DESK · WEEKLY
Conclusion first, evidence after.
Generated from your books, so you finish knowing what to watch.

Branch 0128

The real market you trade
is yourself.

Stop watching everyone else's tape for a moment. Look at your own. The changes you can see are already different.

Your money. Your market.

PFEx · Personal Finance ExchangeYOUR MONEY · YOUR MARKET · YOUR RULES