Documentation

Quick start

MonetrixOS is a single Google Sheets file. Nothing is installed and no external account is created — the whole system runs inside your own document.

1. Copy the template. Open the link from your purchase email and choose File → Make a copy. The copy belongs to you.
2. Authorise the script. The first time you open the Extensions → MonetrixOS menu, Google asks for permission. This grants the script access to this sheet only.
3. Open Settings. Set your base currency, language, first day of the week and the month your financial year starts.
4. Add your accounts. On the Accounts tab, list each account with its currency and today's balance.
5. Record your first transaction. Either type a row on the Transactions tab or use + Add transaction in the sidebar.

Sheet structure

Tabs fall into three groups. You type into the data tabs; the others are generated and should be left alone.

Settings & language

Open Extensions → MonetrixOS → Settings. Interface language can be set to English, French, Arabic or Spanish, and applies to sheet labels, sidebar text and chart titles. Arabic switches the sidebar to a right-to-left layout.

Base currency   EUR        # everything rolls up into this
Language        fr         # en | fr | ar | es
Week starts     Monday
Fiscal start    January
Rate source     Google Finance

Changing the base currency re-converts historical figures using the rate stored with each transaction, so past months do not silently change value.

Accounts

An account is anywhere money sits: cash, a current account, savings, an investment pot, or a credit card. Each one has its own currency.

• Name — how it appears everywhere else. Keep it short.
• Type — Cash, Checking, Savings, Investment or Credit.
• Currency — a three-letter code such as USD.
• Opening balance — the balance on the day you start.

Credit cards are held as negative balances, so a card you owe on reduces your net worth rather than inflating it.

Transactions

One row per movement of money in or out of your household. Expenses are negative, income positive.

Transfers

Moving €500 from checking to savings is not spending. Record it on the Transfers tab, which debits one account and credits the other in a single row, and is excluded from every spending report.

Categories

Categories drive budgets and every spending chart. The template ships with a sensible default set grouped into Essentials, Lifestyle, Financial and Income.

Add your own by appending a row to Categories — dropdowns across the workbook pick it up immediately. Renaming a category updates existing rows; deleting one leaves those rows uncategorised, so retire rather than delete.

Budgets

Set a monthly cap per category. The dashboard shows spend against cap and raises an alert at 90% and again when you cross 100%.

Category            Monthly cap    Rolls over
Groceries           EUR 600        No
Living expenses     EUR 1,200      No
Holiday fund        EUR 250        Yes

Categories marked rolls over carry any unspent amount into the next month, which suits irregular costs like car maintenance.

Goals

A goal has a name, a target amount, a target date and a linked account. Contributions are ordinary transfers tagged with the goal code, so the money is only counted once.

The dashboard shows percentage complete, amount remaining, and whether your current contribution rate reaches the target by the date you set.

Loans & lenders

Two directions are supported: money you owe (a car loan, a mortgage) and money owed to you (a loan to a family member). Each has a principal, a rate, a term and a payment schedule.

Repayments are recorded as transactions linked to the loan. MonetrixOS splits each into interest and principal, so the remaining balance is accurate rather than a straight-line estimate.

Recurring items

Rent, subscriptions, salary and standing orders go on the Recurring tab with a frequency (weekly, monthly, quarterly, yearly) and an optional end date.

Choose one of two behaviours per item:

• Auto-post — the script writes the transaction on the due date.
• Remind — the item shows as pending on the dashboard and you confirm it, which suits bills whose amount varies.

Mobile sidebar

Open the Google Sheets app on your phone, tap the ⋮ menu, and launch MonetrixOS. The sidebar gives you the parts you need on the move:

• Home — net worth, spent this month, budget alerts, cash flow.
• Ledger — recent transactions and + Add transaction.
• Movements — transfers in and out, and + Add transfer.
• More — analytics, loans, recurring, budgets, goals, accounts, members, lenders, categories and settings.

Multi-currency

Each account holds one currency; the workbook rolls everything up into your base currency. Rates come from Google Finance and refresh once a day.

The rate in force on the transaction date is stored with the row. Historical months therefore stay stable — today's rate move does not rewrite last March.

Reports

The Reports tab and the Analytics screen cover:

• Cash flow over the last 12 months
• Spending by category, month or quarter
• Income versus expenses, month over month
• Net-worth history since your start date
• Per-member spending (Household plan)

Every chart reads from a plain table on the Reports tab. Copy a table onto a new sheet to build your own chart without disturbing the originals.

Importing data

To bring in history from a bank export or another tracker, use Extensions → MonetrixOS → Import CSV and map your columns to these:

date, description, category, account, amount, member, note

The importer validates every row before writing. Rows with an unknown account or category are listed for correction rather than silently dropped.

Troubleshooting

The dashboard shows stale numbers

Google Sheets caches script results. Run Extensions → MonetrixOS → Recalculate, or press Ctrl + R to reload the file.

Net worth looks wrong

Usually one of three things: a transfer entered as two transactions (double counted), a credit-card balance entered positive, or an account missing its opening balance. The Balance check block at the bottom of the Accounts tab points to the culprit.

The sidebar will not open on mobile

Sidebars need the Google Sheets app, not a mobile browser tab. Check that the app is current and that you opened your own copy rather than the read-only master.

“Script is not authorised”

Re-run any MonetrixOS menu item and accept the permission dialog. The warning about an unverified app is expected for Apps Script distributed as a template; the script can only touch the sheet it lives in.

Changelog