Upload your bank statement. Watch the mess turn into clarity in seconds.
Every card and account in one dashboard, built for you automatically, and it never leaves your own Google Sheets. Fifteen minutes a month. That is it. The rest is automatic.
No credit card to start. Pay once, own forever. Your data stays yours.
You upload the CSV. Your overview builds itself.
No typing transactions in one by one. Cryptic bank codes become real merchant names and categories on their own, so a raw export becomes a finished overview without you touching a single row.
You don't have to choose between privacy and convenience anymore
Every other option makes you give something up: your privacy, your evenings, or a chunk of money every year. CalmExpense is the one that does not.
Your money, your rules
Everything lives in a Google Sheet inside your own Drive. No bank linking, no AI reading your transactions, no third party in the middle. We do not run any servers that store your financial transactions, so your data never leaves Google's servers.
Upload once, done
No manual typing of transactions. Export a CSV from your bank, drop it in, and watch the mess turn into a complete, categorised overview in seconds. The tedious part happens on its own.
Everything in one place
Unlimited credit cards and bank accounts in a single dashboard. Income, expenses, savings, and investments across every account, at a glance, instead of five apps and a dozen browser tabs.
15 minutes a month
That is it. From raw bank data to a clear picture of where your money went takes less time than a coffee break. The rest of the month, it just stays out of your way.
Pay once, own forever
One payment and it is yours, including every future update. No $100+ a year subscription like the bank-linked apps. Stop renting access to your own spending.
Three steps to clarity
No setup headaches, no accounts to link. From raw statements to a clear picture in minutes.
Export a CSV
Download a statement from your bank as a CSV or Excel file. Nearly every bank in the world supports this, from Chase and HSBC to DBS and hundreds more. No login handed over, ever.
Import and auto-clean
Drop the file in. Duplicate rows disappear and cryptic descriptions become real merchant names like Starbucks, Amazon and Uber, each sorted into a category by rules you can see and edit.
See it clearly
Income, spending, savings and surplus break down by month, category and merchant in a dashboard that updates the moment new data lands. The picture you always wished you had.
The whole landscape, and where each one falls short
There are four common ways to track your money. Every single one gives something up: your privacy, your money, or your evenings. Here is the honest picture, side by side.
| Dimension | CalmExpense CSV in your own Sheets | Premium SaaS e.g. YNAB, Monarch | AI chat tools e.g. ChatGPT, Claude | Manual tracking e.g. Pocket Clear |
|---|---|---|---|---|
Privacy | Perfect No bank logins shared. Data stays in your own Google Drive. | Low Feeds run through aggregators onto US cloud servers. | Very low Uploading statements to an AI can feed future model training. | Perfect Fully offline on your device, with zero server sync. |
Price | $29.90 once One-time payment. No recurring subscription, ever. | ~$147/yr A steep subscription that renews every single year. | ~$20/mo Document reading and analysis sit behind a monthly plan. | ~$1.48/mo Free, or a small monthly fee for cloud backups. |
Automation | High Upload a CSV and it auto-cleans and auto-categorises for you. | High* Automatic, but only once you hand over bank linking. | Hit or miss Prone to hallucinating transactions and miscounting totals. | None Every transaction is typed in by hand, one at a time. |
Visualisation | Clean & interactive A clear interactive dashboard for every card and account, inside your Sheets. | Polished Great charts, but locked inside their own app and layout. | None Answers a question, then forgets. No lasting dashboard. | Basic Clean but limited to simple mobile tracking screens. |
Notice the pattern? Every alternative trades away one of the things that matter.
CalmExpense is the only one that pairs the privacy of manual tracking with the automation of the bank-linked apps. You get both, without the yearly bill.
Your data stays in your own Google account
- All your financial data is stored directly in a Google Sheet inside your own Google Drive.
- This is a UI layer that reads and writes to your own Google Sheet, nothing else.
- Your data never leaves Google's servers. We do not run any servers that store your financial transactions, do not store or process your data using third party tools and connectors, no AI, no Plaid.
Hosted on Google, not on us
The app runs on script.google.com, Google's own infrastructure. Once you link your Google account, you get a direct link to your Google Sheet, so you can open the raw data yourself any time.
Test the visuals first
Try the demo to see the finance overview and the in-depth dashboard running on mock data. When you are ready, connect to your sheet to see your actual data.
About the warning screen
You may see a warning screen. This is a beta test, and we are in the process of getting it approved by Google. This UI layer sits on top of your Google Sheet, and it can function without the UI. The spreadsheet works completely on its own. The web app is just a cleaner way to interact with your data. If you ever stop using this app, your Google Sheet and all your data remain untouched in your Drive.
See it working before you spend a cent
Explore a fully interactive dashboard loaded with realistic data. Click through the charts, switch views, and picture exactly what your own numbers would look like.
Open the interactive demoOne price. Yours forever.
Try it free for 14 days. Love it? Pay once. No subscription, no recurring charges, no surprises.
No credit card to start. Cancel anytime during the trial.
- Unlimited CSV imports from any bank worldwide
- Automatic de-duplication and merchant name cleanup
- Deterministic keyword categorisation you fully control
- Income, expense, savings and surplus breakdowns
- Category and merchant deep-dives
- Lives entirely inside your own Google Sheets
- Free future updates
Loved by people who value their privacy
From freelancers juggling currencies to parents who refuse to hand over bank logins, here is what people do with CalmExpense.
“I invoice clients in three currencies and my receipts were a disaster every tax season. I have been using CalmExpense for about five months now, and what surprised me was how fast it cleaned up my Wise and PayPal exports. I finally know what I actually earned.”
“We tried YNAB but I was never comfortable handing over our bank logins. Now my wife and I just drop our statements into a shared sheet each month. Six months in, we caught two subscriptions we had completely forgotten about. That alone paid for it.”
“I wanted my financial data to stay mine, in a format I control, not locked inside someone else’s cloud. The fact that it is just a Google Sheet with rules I can actually read was the whole selling point. I have run it since launch and never once worried about where my data lives.”
“Every budgeting app I tried could not connect to my local bank, so they were useless to me. With CalmExpense that does not matter. I export a CSV from Maybank and import it. Three months in, it reads my messy statements better than I expected.”
“I needed something cheap that would not nag me with a monthly fee. I paid once and that was it. I have used it for a full semester to keep my part time income and spending straight. I honestly did not think a spreadsheet could feel this simple.”
Questions, answered
Everything you might want to know before you start.
Ready to see your money clearly?
Start your free 14-day trial today. No credit card, no bank logins, no AI, no strings.