Manage Your Money Like a Pro

Templates are easy to buy and hard to keep. Without guidance, the “what do I do next?” problem always comes back.

• No system: a file isn’t the same as a money plan.
• Too much manual work: importing, cleaning, and maintaining is a second job.
• No follow‑through: templates rarely tell you what to do this week.

• A complete picture: Income, Expenses, and Accounts working together.
• Daily updates: your sheet stays current as new data arrives.
• AI guidance: create a plan and take action toward your goals.

Want the bank‑sync page? See Bank‑to‑Sheets Sync.

The point of an add-on is that your system lives in your spreadsheet. These are the core “money tabs” most people use weekly.

Transactions

Your daily data layer: organized rows you can recategorize.

Budget / expenses

See category totals and make quick, practical adjustments.

Accounts / net worth

Balances in one view so your plan is based on real numbers.

Want a full library of layouts? Browse Google Sheets finance templates.

Penny is built for people who want the flexibility of Google Sheets without the maintenance burden of doing everything manually.

• Google Sheets native workflow: keep working in your own spreadsheet instead of moving to a separate app.
• Automated daily updates: your data stays current, so reviews are faster and more consistent.
• Guidance with next steps: Penny helps turn numbers into concrete actions you can take this week.
• Ownership and control: your data and structure stay in your sheet, not locked in a proprietary dashboard.

Want the full breakdown? Read AI vs budgeting apps and add‑on vs template vs budgeting app.

1. Open the Money Management Sheet in Google Sheets.
2. Connect your accounts so your sheet stays updated.
3. Use Penny’s guidance to create a plan and take action.

Your data is stored in your Sheets. Penny is designed to work inside the Google Sheets experience so you stay in control.