Far too kind 
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Edward from Tiller here. Thanks @Tom-H for mentioning our templates. Itās great to read what people like (and donāt like) about spreadsheets for managing money. I love seeing the custom spreadsheets people have built to serve their specific financial goals and situation. I recently wrote a mega post about the unique benefits of using spreadsheets to manage money here. Iām not currently a Monzo customer, but I follow the platform closely and am interested in trying it in the future.
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Thank you for the reply Edward
Why have you not taken the plunge?
Being able to see all your transaction live means you can keep your spreadsheet as up to date as possible
I wondered if you ever conisdered working with Monzo to auto fill a spreadsheet?
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Our spreadsheet is relatively straight forward.
A list of our bills (basically all our Direct Debits) and their payment dates, then a list of everything non-bill related, like Groceries, Petrol, Days Out etc.
Iāve set up a really basic calculation to add all the expenses together, and then subtract from our incoming funds.
Itās not perfect, but it does a good job of focussing us on what necessary spends we have coming up. I get paid weekly, so we update it weekly, which means weāre always pretty on top of it.
Ideally, when Monzo releases itās Weekly summary option, we can look to transition over to that.
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Hey @EShepard, welcome to the forum! Tiller looks cool, I guess itās only in the states though at the moment right, any plans to come to the UK?
Tiller currently only directly supports US-based institutions, but we do have many UK-based customers. Weāre working on expanding UK support in the year ahead. I donāt currently use Monzo as Iām based in US but it really looks fantastic.
Well best of luck in the US and when you do move to the UK hopefully you will team up with Monzo
Oooh, mine hasnāt been used since August because Monzo covers so many basics now, but this is the latest version I used for over 2 years. I think this was version 3 or 4 though 
Split into Car / Set DDs / variable DDs / non essential DDs / saving / credit card payments
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For me itās fairly simple using the 50/30/20 rule
50% is for essentials
30% is for spending
20% is savings
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Reminds me of what me da said to me many yeas ago, 1/3 to your ma for looking after you, 1/3 to you for spending, and 1/3 to savings so when you leave home youāll have something.
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Hi! Great thread!
Iām importing my monzo transactions to a google sheet with IFTTT. Does anyone who uses it know a more automatic way to calculate the daily spending?
Is there is a way to readjust the future daily allowance based on how much budget is left thatād be great! At the moment Iām doing all this manually:
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I set up monthly budget for monzo
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Set myself a daily allowance (X for each weekday and Y for each weekend days).
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If I exceed my daily allowance then I recalculate and adjust (I do this weekly)
I would love to learn how to set up an excel file so it re-calculates and adjusts this for me!
Thanks 
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Interesting idea @IsabelM. Here are some thoughts on how to build such a spreadsheet in Excel.
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You will need a series of 12 cells that hold the count of weekdays and the count of weekend days for each month.
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You need to decide if your daily unspent budget goes to the other weekdays if itās left over from a weekday spend or weekend balance if its from an unspent weekend spend. Or, do you see it being spread over the rest of the days of the week? Seems counterintuitive but you need to know this to build the s/sheet properly.
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What would you want to happen to budget overspend and any budget left over at the end of a month?
Iām sure more will come to mind with a Hob Knob and a cuppa.
R-
OK, let me see
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Hmmā¦ I was thinking that any overspend or unspent budget automatically readjusts the days ahead - that way if I go over the budget one day it has a small impact on the overall month, rather that just allowing me to keep on spending as planned (eg. if my weekday budget is Ā£10/weekday and Ā£20sat/sunday so if on Tuesday I spend Ā£30 I will be left with Ā£7.14/day and Ā£14.28sat/sunday for the remainder of the week).
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So far Iām just considering this on an isolated month. Itād be nice to see how much I went over or how much I saved but thatās just against the overall budget so itās fine.
Hope it makes sense! Thanks @RogerB
It will be some s/sheet thatās for sure. I did have another thought over tea.
Do you see public holidays (Friday/Monday) and your personal holidays (perhaps 7 straight days) having a different budget than their normal allocation?
R-
I do apologise if this seems brutal, and please prove me wrong, but is all this really worth the effort? If this spreadsheet is something you need to look at every day, isnāt it easier to just look at your daily spending in app and see how youāre doing? How is knowing that you have, say, an adjusted Ā£7.14/day left for the following 3 weekdays going to be helpful in a practical way? When you go so granular, youāre bound to have to adjust budgets all the time, effectively defeating the point of having a budget in the first place ā Maybe itās just that daily budgets never made sense to me, but it sounds like an overly complicated approach?
The way I use it is to estimate my incomings and outgoings over a year.
So somethings are fixed like salary and rent and most bills.
So I have been doing it for a few years so I have a rough estimate for my spends on things.
So then I take that yearly budget and use it to estimate what I should be spending on things like food or meals out or drinks. The stuff that is easier to change if it looks like I might lose money over the year
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I use Google sheets through iftt to put all of my transactions onto a spreadsheet but I also created the below spreadsheet where I detail all of my Billās / savings pots in and monitor what I have to spend at the end of the month
Feel free to use my template if you would like to
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I know there are lots of spreadsheet topics, but Iām not sure which one best fits my situation so I decided to plonk it here.
I know there are lots of spreadsheet and chart obsessed people on here, and I must say I love a pie chart or the odd graph myself. But Iām not very good with spreadsheets as I never really needed to use them beyond basic stuff.
Iāve been looking for something to suit my needs, but couldnāt really find anything. Most budgeting and open banking apps focus on highlighting your spending pattern and encouraging saving.
I like to think I donāt need any of this as my spending is usually necessitates ā bills, transport, food and household shopping with the occasional treat here and there budgeted in. What Iām most interested in is plotting out how my savings grow over the months/years and what impact decreasing/increasing my monthly savings commitments would have on my disposable income.
Not sure if any of the spreadsheet maestros have anything like this that they could turn into a template? I tried wrestling with Excel a few times but the results were always subpar
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Iām happy to help you making something.
Are you a Plustomer? (or happy to copy and paste dump it whenever you want to update it) Are your savings in a pot?
One thing I track is the amount in my account, the day before I get paid. Then I can see that my overall āwealthā is (hopefully) increasing no matter which pot itās in.
I also copied one of these from the chart guru @Lewis_P
This might cover the disposable vs savings part?
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Thank you! Iām not with Monzo (unless you count the token tenner to not be dormant) and my savings go on two tracks currently ā emergency fund in Premium Bonds and other savings in Marcus. So I guess it would be one manual update per month around payday. I suppose what I could do is also input my bills and other spends manually once a month.
What Iād like to then see is a similar breakdown of my salary of saved, spent and bills+mortgage. This would be all the detail I really need for budgeting, but what Iād really want is a projection of how this committed spend (bills, mortgage, maybe transport) might change over time with inflation so future predictions of the spend/save ratio and predictions of how my savings might build up if I commit X to put in an account
Not sure how feasible that is?
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