MonetrixOS
Built in Google Sheets Multi-currency EN · FR · عربي · ES

Your money. Any currency. Your language.

MonetrixOS turns one Google Sheet into a complete personal finance system — accounts, transactions, budgets, goals, loans and reports, with a mobile sidebar app for adding things on the go.

Get the template Read the docs

One-time purchase · Lifetime updates · 30-day refund

Your data stays in your Drive 4 languages, 30+ currencies No subscription, no bank login Works on phone and desktop
Everything in one sheet

A finance system, not just a budget tab

Twelve linked modules that stay in sync automatically. Edit a row in the sheet or use the sidebar app — the dashboard recalculates either way.

Accounts & balances

Cash, checking, savings, investments and credit cards — each in its own currency, rolled into a single net-worth figure.

Transaction ledger

Add income and expenses with category, member and account. Validation rules keep the data clean so the reports can be trusted.

Transfers between accounts

Move money without double-counting it as spending. Transfers are a first-class record type, not a pair of fudged transactions.

Budgets with alerts

Set a monthly cap per category. The dashboard flags anything over budget before the month ends, not after.

Savings goals

Name a target, link the account, contribute as you go. Progress bars and projected completion dates update themselves.

Loans & lenders

Track what you owe and what you are owed, with amortisation, paid-to-date and remaining balance per loan.

Recurring items

Rent, subscriptions and salaries post themselves on schedule, so the forecast reflects the bills you already know about.

Analytics & reports

Cash flow over 12 months, spending by category, month-over-month comparisons and net-worth history — all charted.

Household members

Tag each record to a person. Share the sheet with your partner and see who spent what, without separate files.

How it works

Running in about five minutes

No installation, no account to create, no bank credentials to hand over. Copy a sheet, set your currency, start typing.

Make your own copy

Your purchase link opens the master template. One click copies it into your own Google Drive.

Set currency and language

Pick a base currency and your interface language in Settings. Every sheet, label and chart follows.

Add accounts and opening balances

List the accounts you actually use and what is in them today. That is your starting net worth.

Record as you go

Use the sidebar on your phone, or type straight into the sheet. The dashboard is always current.

Open the quick start

12
Linked modules
30+
Currencies supported
4
Interface languages
0
Bank logins required
Why a spreadsheet

The app you already trust with your data

Budgeting apps ask for read access to your bank. A sheet asks for nothing — and you can still open it in ten years.

You own the file

It sits in your Google Drive. Export it to Excel or CSV whenever you like. If we disappear tomorrow, your sheet keeps working.

Nothing is sent anywhere

MonetrixOS is formulas and Apps Script running inside your own document. There is no MonetrixOS server holding your balances.

Bend it to your life

Add a category, a column, a chart of your own. It is still a spreadsheet — everything is editable, nothing is locked behind a product roadmap.

What people do with it

A sample of how the template gets used day to day.

“I get paid in USD, pay rent in EUR and still have a GBP savings account. This is the first tracker that gave me one honest net-worth number.”

LM Lina M.
Remote designer

“My wife and I share the sheet. Tagging each transaction to a member ended a lot of ‘who bought what’ conversations.”

KA Karim A.
Teacher

“I tried four budgeting apps and quit each one. Adding a row from the phone sidebar takes ten seconds, so I actually kept going.”

SR Sofia R.
Freelance developer

Start tracking this weekend

One purchase, lifetime updates, and a 30-day refund if it does not fit the way you handle money.

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