Bills, taxes, mortgages, unexpected expenses — Italian personal finance is complicated. PFM pairs you with a qualified consultant who maps your situation, builds a real plan, and stays with you through every step.
Even with a steady income, the layers of Italian bureaucracy, language complexity, and fragmented systems make it easy to lose track — and costly to get wrong.
Multiple providers, variable tariffs, and Italian-only contracts make even basic bills a monthly headache.
CU, 730, ISEE — Italian tax filings are layered and deadline-sensitive with penalties for mistakes.
Without a clear picture of income, debts, and CRIF score, mortgage applications stall or get denied.
Medical costs, car repairs, job gaps — without a buffer plan, one surprise can unravel months of savings.
Each step is designed to build on the last. You don't get a loan recommendation before we understand your full picture — and you don't leave without a plan to improve it.
We start with a full, honest review of where you stand. No assumptions, no shortcuts. Your income, your outgoings, your debts, your goals — mapped together in one clear picture.
Payslips, contracts, CU documents — all income sources analysed, including irregular or multiple-employer situations.
Rent, utilities, subscriptions, recurring costs — we identify where money is going and flag unnecessary outgoings.
Existing loans, credit lines, and payment history — understood before any new financial decision is made.
We calculate your real monthly surplus and your potential to save or invest — the honest number, not the optimistic one.
Built on the analysis, not before it. Your plan is specific to your situation — your income level, your family needs, your financial milestones — and written in a language you understand.
Concrete reductions identified from your expense map — practical, not theoretical cuts that free up real money each month.
A month-by-month savings target based on your actual capacity — with milestones you can actually reach.
If buying a home is on your horizon, we plan backwards from that goal — deposit, mortgage readiness, timeline.
If you have multiple debts, we evaluate whether consolidation makes financial sense for your situation.
When you need financing, we ensure you apply for the right amount at the right time — matching your profile to lenders with the highest likelihood of approval.
We calculate the highest loan amount your income and debt-to-income ratio qualifies for — based on Italian banking criteria, not estimates.
We match your credit profile to lenders in Italy most likely to approve your application — saving time and protecting your CRIF score.
Every document the bank needs — assembled, translated if required, and verified before submission.
We follow your application through — responding to bank queries and chasing outcomes so you aren't waiting in the dark.
A strong CRIF score is the key that unlocks better loan rates, higher approval chances, and more financial flexibility in Italy. We give you a concrete roadmap to improve yours.
We read your CRIF report, identify negative markers, and explain exactly what's affecting your score — in plain language.
A month-by-month action plan — specific payments, behaviours, and timelines — to move your score into a stronger bracket.
Even a small CRIF improvement can unlock meaningfully lower interest rates — the difference of thousands over a loan term.
We set a target score aligned with your next financial goal — whether that's a mortgage, a business loan, or simply more options.
PFM is designed for the realities of life as a foreign worker or family in Italy — irregular income, international document formats, and language complexity included.
Whether you're employed, self-employed, or a pensioner — if you live in Italy and want to take control of your finances, PFM is for you.
Book your free initial consultation. We'll explain the four steps, assess your situation, and tell you exactly what PFM can do for you — with no commitment required.