Secure financial data connections
The AI personal finance spreadsheet
Connect bank, credit card, brokerage, and loan data to a spreadsheet built for real analysis. Categorize transactions, find subscriptions, build budgets, and turn your money data into reusable dashboards.
AI Spreadsheet
Personal Finance Dashboard
Categorize last month of transactions, find subscriptions, compare budget vs actuals, and build a reusable dashboard.
Accounts
8 linked
Recurring
14 found
Cash flow
+$1,240
| A | B | C | D | E | |
|---|---|---|---|---|---|
| 1 | Date | Account | Merchant | Category | Amount |
| 2 | May 1 | Amex | Whole Foods | Groceries | $84.12 |
| 3 | May 2 | Chase | Netflix | Subscriptions | $15.49 |
| 4 | May 3 | Checking | Payroll | Income | $4,820.00 |
| 5 | May 4 | Visa | Shell | Transportation | $51.80 |
| 6 | May 5 | Brokerage | Dividend | Investing | $22.14 |
Stop rebuilding your personal finance workbook every month
The old way
Export CSVs, clean merchant names, recategorize the same transactions, rebuild charts, and wonder whether your budget is current.
With Quadratic
Quadratic connects your financial data to a spreadsheet where AI, formulas, Python, and charts work together. Keep the workflow reusable and the logic visible.
Without Quadratic
Manual work every month
- Download bank CSVs
- Clean categories
- Find subscriptions by hand
- Update budget tabs
- Rebuild charts
- Repeat next month
With Quadratic
Reusable analysis in one sheet
- 1
Connect or upload data
Banks, cards, brokerages, loans, CSVs
- 2
Ask AI to organize it
Categories, subscriptions, summaries
- 3
Use formulas and charts
Budget variance and dashboards
- 4
Refresh the same workbook
Reusable monthly review
Personal finance workflows
Everything you want from a personal finance spreadsheet
Quadratic is broad enough for everyday money tracking and flexible enough to act as your spreadsheet for personal finances at any level.
Connect the accounts that drive your money
Bring bank accounts, credit cards, brokerage balances, and loan data into one spreadsheet so your dashboard starts from current numbers.
Categorize transactions faster
Use AI to draft categories, review the logic, and refine rules for groceries, travel, utilities, transfers, subscriptions, and custom buckets.
Find subscriptions and recurring charges
Surface monthly services, annual renewals, trials, and price changes from transaction history without building a custom detector by hand.
Build budgets that update
Compare actual spending to category targets, track monthly variance, and reuse the same budget dashboard as new data refreshes.
Analyze spending with formulas and Python
Stay spreadsheet-native for quick math, then use Python when you want cohorts, trend detection, projections, or more advanced analysis.
Keep everything explainable
Your data, formulas, generated code, charts, and AI answers stay in one workbook so you can inspect the work instead of trusting a black box.
Turn your financial data into a spreadsheet you can actually trust.
How to create a personal finance spreadsheet
Start with connected accounts or uploaded files, then use AI and spreadsheet logic to create a repeatable monthly workflow.
Ask for the analysis you need
Use plain English to categorize transactions, identify subscriptions, summarize spending, or draft a budget report.
Data lands in the grid
Results appear as editable spreadsheet tables, ready for formulas, filters, charts, and review.
| Merchant | Category | Monthly | Type |
|---|---|---|---|
| Netflix | Subscriptions | $15.49 | Recurring |
| Spotify | Subscriptions | $10.99 | Recurring |
| Shell | Transportation | $142.30 | Variable |
| Whole Foods | Groceries | $486.80 | Variable |
Publish a reusable dashboard
Combine connected data, formulas, charts, and AI summaries into a dashboard you can refresh every month.
Formulas and Python for deeper money analysis
Use spreadsheet formulas for everyday budgeting and Python when you want more advanced personal finance analysis.
Budget variance
Compare actual category spend against your target budget.
=SUMIF(Category,"Groceries",Amount)-Budget_GroceriesDetect subscriptions
Group merchants with repeated monthly charges.
monthly = df.groupby("merchant")["amount"].agg(["count","mean"])
subscriptions = monthly[monthly["count"] >= 3]Summarize cash flow
Generate a plain-English summary from your own data.
Ask: "Explain why spending increased this month and list the top drivers."Common personal finance dashboard ideas
Use one spreadsheet for everyday money questions and recurring household planning.
- Monthly spending by category
- Subscription and recurring charge tracker
- Budget vs actual dashboard
- Cash flow and savings rate summary
- Credit card payoff planner
- Brokerage and retirement balance snapshot
- Loan and debt payoff dashboard
- Custom household finance report
Your spreadsheet, with secure financial data connections
Personal finance work should be flexible, but it also has to be trustworthy. Quadratic keeps your analysis inspectable in the grid while using secure infrastructure for connected data workflows.
Secure data connections
SOC 2 and HIPAA compliant
Browser-based sharing
Personal finance spreadsheet FAQ
What is a personal finance spreadsheet?+
A personal finance spreadsheet is a customizable workbook for tracking accounts, transactions, budgets, spending, cash flow, subscriptions, and dashboards. It acts as a flexible personal finance management spreadsheet for organizing and analyzing your money. Quadratic keeps the spreadsheet format but adds live data connections, AI analysis, charts, formulas, SQL, and Python.
Can I connect bank and credit card data?+
Yes. Quadratic supports financial data connections for banks, credit cards, brokerage accounts, and related finance workflows, making it easy to maintain a connected personal finance tracking spreadsheet. You can also upload CSV or Excel exports when you want to start from files you already have.
Can AI categorize my transactions?+
Yes. You can ask AI to categorize transactions, identify recurring merchants, find subscriptions, group spending by category, and explain the logic it used. The results stay editable in your personal finance spreadsheet.
Can I build a reusable budget dashboard?+
Yes. Build budget tables, variance charts, subscription trackers, and monthly spending dashboards once, then refresh the same spreadsheet as new financial data arrives.
How is this different from Mint, Monarch, Copilot, or YNAB?+
Those tools provide opinionated personal finance apps. Quadratic is for people who want spreadsheet control with connected data, AI assistance, formulas, Python, charts, and custom dashboards in one place.
Is my financial data secure?+
Quadratic uses secure infrastructure, is SOC 2 and HIPAA compliant, and supports self-hosting for organizations that need more control.
Build your personal finance spreadsheet once
Connect your money data, ask AI for the analysis, and keep a reusable dashboard that reflects how you actually manage your finances.
