5.0 on Etsy
Rated by real budgeters
100% Google Sheets
No apps, extensions, or downloads
Total Data Privacy
100% private — no data is ever stored or accessible by anyone except you
See exactly where your money goes — without spending hours figuring it out. Paste your bank statement into Google Sheets and AI sorts every transaction, builds your dashboards, and tracks spending across 70+ categories. Pay once, own it forever.
Most personal finance spreadsheets come with 1–2 hour 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 | 1–2 hour tutorials | 60 seconds |
| Categorizing Transactions | Manual, one by one, forever | 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 4 minutes |
| Budget Categories | 10–15 generic categories | 70+ preloaded, 300+ total available |
| Sheet Tabs | 28–40 confusing tabs | 6 tabs you'll actually use |
| Automations | Zero | Fully automated dashboards & categorization |
| AI Insights | Zero | Spending patterns & budget health |
| Chance You'll Actually Use It | Near zero | Built so you never want to quit |
Most people struggle with spreadsheets, so we made one that does the hard part for you.
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) | $9–$75 one-time Yours forever |
| Cost Over 5 Years | $300–$900+ with price hikes | $9–$75 + $60 optional AI renewals ($12/yr) |
| 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) | No one will ever ask for your banking login |
| 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 or XLS and every transaction gets categorized into 70+ 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 and XLS exports from any major Canadian or American bank. TD, RBC, Chase, Wells Fargo — if it exports to a spreadsheet, it works. PDF statements may require manual entry.
Your spreadsheet lives in your personal Google account — no bank linking, no credentials shared. When you use AI sorting, only transaction descriptions are sent for categorization — no account numbers, balances, or personal details are ever transmitted or stored.
AI identifies most merchants instantly — correct the rare miss once and it learns forever. Search any merchant like Starbucks, Amazon, Chick-fil-A, or Target and instantly see total spent, visits, monthly averages, annual forecasts, 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 or XLS. 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.
🛡️ Try risk-free with a 7-day money-back guarantee.
"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."
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