Accounts & balances
Cash, checking, savings, investments and credit cards — each in its own currency, rolled into a single net-worth figure.
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.
One-time purchase · Lifetime updates · 30-day refund
Twelve linked modules that stay in sync automatically. Edit a row in the sheet or use the sidebar app — the dashboard recalculates either way.
Cash, checking, savings, investments and credit cards — each in its own currency, rolled into a single net-worth figure.
Add income and expenses with category, member and account. Validation rules keep the data clean so the reports can be trusted.
Move money without double-counting it as spending. Transfers are a first-class record type, not a pair of fudged transactions.
Set a monthly cap per category. The dashboard flags anything over budget before the month ends, not after.
Name a target, link the account, contribute as you go. Progress bars and projected completion dates update themselves.
Track what you owe and what you are owed, with amortisation, paid-to-date and remaining balance per loan.
Rent, subscriptions and salaries post themselves on schedule, so the forecast reflects the bills you already know about.
Cash flow over 12 months, spending by category, month-over-month comparisons and net-worth history — all charted.
Tag each record to a person. Share the sheet with your partner and see who spent what, without separate files.
No installation, no account to create, no bank credentials to hand over. Copy a sheet, set your currency, start typing.
Your purchase link opens the master template. One click copies it into your own Google Drive.
Pick a base currency and your interface language in Settings. Every sheet, label and chart follows.
List the accounts you actually use and what is in them today. That is your starting net worth.
Use the sidebar on your phone, or type straight into the sheet. The dashboard is always current.
Budgeting apps ask for read access to your bank. A sheet asks for nothing — and you can still open it in ten years.
It sits in your Google Drive. Export it to Excel or CSV whenever you like. If we disappear tomorrow, your sheet keeps working.
MonetrixOS is formulas and Apps Script running inside your own document. There is no MonetrixOS server holding your balances.
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.
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.”
“My wife and I share the sheet. Tagging each transaction to a member ended a lot of ‘who bought what’ conversations.”
“I tried four budgeting apps and quit each one. Adding a row from the phone sidebar takes ten seconds, so I actually kept going.”
One purchase, lifetime updates, and a 30-day refund if it does not fit the way you handle money.