Built for real life at home

Why this exists

My partner and I kept struggling with the same problem. We had a mortgage, shared bills, separate savings goals, insurance policies scattered across emails, and no single place to see how it all added up. Spreadsheets helped for a while, then broke down. Finance apps were built for individuals, not households.

So I built something for us. A tool where two people can look at the same picture — income, commitments, debts, goals, insurance, investments — and actually understand where they stand together.

What makes it different

Most personal finance tools are built around a single user moving money automatically. That works for saving spare change, but it does not help two people understand their shared financial life.

The Spreadsheet is built around the household. You can share access with a partner, track everything from monthly commitments to long-term goals in one place, and get a clear view of your finances without needing to become a spreadsheet technician.

Who built it

I am Francisco, based in the UK. I built The Spreadsheet out of genuine need, not as a venture-backed startup. There is no team of investors pushing for growth at all costs. It is maintained actively, updated regularly, and built with real users in mind.

If something is broken, missing, or confusing, I want to know. The feedback form is read by a real person.

What we do not do

• We do not hold your money or connect to your bank
• We do not sell your data or share it with third parties
• We do not run ads or use dark patterns to keep you engaged
• We are not FCA regulated — this is an organiser, not a financial adviser