5.0 on Etsy
Rated by real budgeters
100% Google Sheets
No apps, extensions, or downloads
Total Data Privacy
100% private — no third-party servers
73% of people give up on their budget. The #1 reason? It takes too long. Enhance Finance uses AI to categorize every transaction in seconds — not hours. Learn it in 90 seconds. Audit a full year in under 10 minutes.
Most personal finance spreadsheets come with 45-minute setup tutorials and require hours of manual entry every month. Enhance Finance works beautifully with or without AI — the AI just makes it effortless.
| ❌Typical Budget Sheets |  |
|
|---|---|---|
| Learning Curve | 30–120 minute tutorial | 90 seconds |
| Categorizing Transactions | Manual, one by one | 1-click AI sorts everything |
| Merchant Insights | None | Total spent, visit count & averages |
| Time to Audit a Full Year | 8–12+ hours | Under 10 minutes |
| Monthly Maintenance | 2–6 hours per month | Under 5 minutes |
| Budget Categories | 10–15 generic categories | 60+ detailed categories |
| Sheet Tabs | 28–40 confusing tabs | 6 tabs you'll actually use |
| Automations | Zero | Fully automatic dashboards |
| AI Insights | Zero | Spending advice & budget health |
| Chance You'll Actually Use It | Near zero | Built so you never want to quit |
Apps like YNAB, Copilot, and Monarch charge you every month — and prices increase every year. If you cancel, you lose everything.
| ❌Budget Subscription Apps | |
|
|---|---|---|
| Price | $5–$15/month ($60–$180/yr) | $45 one-time Yours forever |
| Price After 3 Years | $180–$540+ with price hikes | $45 + $24 optional AI renewals |
| If You Cancel | Lose access to all your data | You own the sheet forever |
| Your Data | Stored on their servers | Lives in your Google Sheet |
| Bank Linking | Direct bank access (security risk) | CSV import, credentials stay private |
| Customization | Limited, their layout | Full control, it's your spreadsheet |
| Merchant Insights | Basic or none | Full dashboard with forecasts |
| AI Features | None or premium tier only | AI sorting + insights included |
For the people who just want to know where their money is going.
Powered by Claude AI. Paste any bank CSV and every transaction gets categorized into 60+ categories with the actual merchant name identified — all in one click.
Don't want AI? No problem. Once your transactions are categorized — manually or with AI — all dashboards, totals, and budgets update automatically. The sheet works the same either way.
Visual dashboards that auto-populate with your data. Monthly breakdowns, annual overviews with charts, and per-merchant spending insights — all in one place.
Plan your income, expenses, spending, and savings across all 12 months. Set goals, track projected balances, and see your full financial trajectory at a glance.
Compatible with CSV exports from any major Canadian or American bank. TD, RBC, Chase, Wells Fargo — if it exports a CSV, it works.
Everything lives in your personal Google Sheet. No third-party servers, no bank linking, no credentials shared. Your financial data never leaves your Google account.
Search any merchant — Walmart, Starbucks, Amazon — and instantly see your full spending history in a visual dashboard. Total spent, number of visits, monthly averages, annual forecasts, largest transactions, and more.
Simple enough that anyone can do it. Powerful enough that you'll actually stick with it.
Download your bank statement as a CSV. Open the sheet and paste it in. That's the hardest part — and it takes 30 seconds.
Our AI reads every transaction, identifies the actual merchant behind vague bank codes, and assigns the right category. Hundreds of transactions sorted in seconds.
Your dashboard lights up instantly. Monthly breakdowns, category totals, merchant insights, annual projections — everything for smarter money decisions.
From rent to retirement savings, every type of transaction has a home.
No subscriptions. No hidden fees. Pay once and own it.
"I sorted 8 months of transactions in under 5 minutes. I've tried Mint, YNAB, and manual spreadsheets — nothing comes close to how fast this is."
"The zero-setup part is real. I opened it, pasted my CSV, hit the AI button, and everything was sorted. No tutorial needed. This is exactly what I wanted."
"Finally a budget sheet that does the work for me. The AI categorization is shockingly accurate and the dashboard is clean and easy to read."
Join the budgeters who stopped wasting time and started taking control. One purchase. Instant clarity. No excuses.
One-time purchase · Instant delivery · AI access included
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