Know where it all went.
Bring in your bank statements. Fresh Sheet turns them into one ledger, sorts it into the parts of your life, and shows you what it adds up to. Dewey reads it with you and tells you what he sees.
September so far: you've spent $4,812 of $6,100 — Home $2,140, Groceries $980, Dining out $610, Ellie $540, Getting around $372, Everything else $170.
Dining is ahead of last month. Everything else is right where you'd want it.
No bank logins. Just your files.
Download a CSV from each bank and drop it on your sheet. Fresh Sheet matches it to the right account, skips anything it has already seen, and adds the rest to your ledger. Nothing connects to your bank, ever.
Added 138 transactions.
AUG 28 – SEP 24 · 6 ALREADY IN YOUR LEDGER, SKIPPED121 FILED BY YOUR RULES · 17 WAITING FOR YOUMost of it filed itself. Seventeen I wasn't sure about. They're in your inbox.
Every account, on one page.
Each transaction gets a category. Dewey suggests one when he recognises it, and you have the final say. Tell him once that Costco is groceries, and he'll file it that way from then on.
Grouped the way you live.
Categories roll up into a few groups: home, food, family, getting around. Give any of them a monthly budget, and you'll see how each one is tracking as the month goes on.
A picture of every month.
Monthly reports show where the money went and how it compares with the months before. The budget summary shows which lines held and which didn't.
Point it at what's next.
Set a savings goal or a retirement age, and your ledger tells you whether you're on pace. Add up what you own and what you owe, and watch your net worth month by month.
Someone to read it with.
At the end of each month Dewey writes you a briefing. He tells you where you stand, the good news, what to keep an eye on, and what he'd do next. Every claim shows its numbers.
Under plan again, but not because Dining behaved.
August closed $460 under plan. Groceries gave back the most, because you cooked at home on 22 nights. Dining still ran over its own line, but by less than July. The emergency fund took its $400 on the 1st, like it has for eleven months.
Groceries are down for the third month running, and a gym membership you stopped using finally ended. Your savings rate is the best it has been since spring.
Dining out has gone over its own line three months in a row. It isn't a lot each time, but it has stopped being a one-off. Subscriptions crept up too.
Money is one part of the story.
Your spending sits on the same sheet as your journal and your to-dos, so a $1,500 Saturday sits next to the day you moved in. Over a year, it becomes part of the chapter you were living.
Saturday was a $1,500 day.
Your statements already know where it went.Now you will too.
One sheet in. The app drawer behind it. Your life out the other side.
Come in, and I'll ask you a few things.
Five questions, two minutes. Then bring your first statement, and we'll look at it together.
Set yourself upOr see the rest of Fresh Sheet first.