WHAT IS SpendOS?
A simple, automated spend tracking system for real people.
SpendOS gives you clarity over your money using tools you already trust — Google Drive + Google Sheets.
No apps, no connections to your bank, no subscriptions, no learning curve.
Perfect for people who want:
- A clean dashboard of income, spending, and surplus
- Automated categorisation of bank CSVs
- A reliable monthly workflow
- Full control of their own data
- Zero subscriptions or budgeting-app overwhelm
HOW SpendOS WORKS (3-step process)
1️⃣ Import your bank CSVs
Download your transactions from Halifax, NatWest, Chase, Santander, etc.
2️⃣ Click “Process New Files”
SpendOS automatically:
- Reads your files
- Cleans and standardises data
- Categorises transactions using rules + learning
- Sends anything unclear to the Review tab
3️⃣ View your dashboard
Your spending insights update instantly:
- Income
- Spend
- Surplus
- Savings rate
- Category breakdowns
- Trends over time
WHO IT'S FOR
SpendOS is built for people who want clarity without complexity:
- Employees
- Freelancers
- Parents and households
- People budgeting manually
- People who hate budgeting apps
- Anyone who downloads CSVs and wants clean monthly insights
You don’t need to know formulas. You don’t need to be “good with money.”
SpendOS does the heavy lifting.
WHY IT’S DIFFERENT
No apps. No subscriptions. No bank connections.
Most budgeting tools:
- Require connecting your bank
- Charge subscriptions
- Overwhelm you with dashboards
- Break when banks change format
SpendOS:
- Works fully offline
- Gives you permanent ownership
- Learns your habits
- Is fast, lightweight, and reliable
WHAT YOUR MONTH LOOKS LIKE (simple workflow)
Step 1: Download CSVs
Step 2: Drop into your Drive folder
Step 3: Click Process New Files
Step 4: Review a handful of transactions
Step 5: Dashboard updates instantly
5 minutes per month. That’s it.
FAQ
❓ What banks does it support?
Any bank that lets you download CSVs (all UK banks + most international banks).
❓ Do I need Gmail?
No — any email works. You only need a Google Account.
❓ Does SpendOS connect to my bank?
No. You remain in full control — your data stays in your Google Drive.
❓ Will future updates be included?
Yes — all updates are included free.
About Me
I design practical tools that make personal finance easier. SpendOS was created to solve my own need for a clean, automated way to track spending — now it’s helping others get clarity without subscriptions or overwhelm