Spreadsheet-based. No subscriptions. No apps.
Premium personal finance templates for people who want full ownership of their financial data. Download once. Use forever. Updated every year.
They want your bank login. They sell your data. They charge monthly fees. And when they get acquired or shut down — Mint, Cosium, you name it — your financial history disappears with them.
OwnYourMoney was built for people who want something different: a tool that belongs to you. Not a platform that owns your data. Not a subscription that drains your account every month.
A spreadsheet. A real one. Downloaded to your computer. Yours.
Categorize income and expenses. Track variance against budget. See exactly where every dollar goes, every month.
Update your assets and liabilities each month. Watch your net worth grow over time. No bank connection required.
See your full year at a glance. Income, spending, savings rate, and net worth progression. One page. Everything.
Annual view of every recurring bill and subscription. Know what's coming before it hits. Catch surprises early.
Available in Excel and Google Sheets. Works on Mac, Windows, and any device with a browser. No installation required beyond Excel or a free Google account.
Every June, we release an updated version with new categories, better formulas, and refinements based on what customers tell us works.
Returning customers get the new version for 50% off. No subscriptions. No tricks. Just loyalty rewarded.
OwnYourMoney was built for the growing number of people who understand that privacy and control are worth more than convenience. No app can do what a well-designed spreadsheet does for someone who wants to truly understand their money.
Built by someone with credentials in financial accounting and business analytics, for people who take their finances seriously.
Excel & Google Sheets compatible • No signup required • 100% free