The integrated budgeting, investing, and money coach for wealth-builders
Built for taking action: connect your long-term wealth vision with the daily money habits that bring it to life. All in your own personalized Google Sheet, powered by the Money Monk add-on.
Am I on track?
Most money tools only give you one piece of the wealth puzzle.
I built Money Monk because I was tired of personal finance apps that never gave me the full picture. My budget couldn't see my investments, and my retirement plan couldn't see my daily habits. No tool followed each dollar from paycheck to budget to investment, so I never knew how hard my money was really working. That left me guessing whether what I did each day was actually keeping me on track.
“What should my next dollar do?”
Advice is everywhere. Applying it to your own income, accounts and goals is the hard part.
“How does this choice affect everything else?”
Your budget, debt, savings, investments and retirement plan live in different places, so no decision shows its full effect.
“Am I doing enough?”
You're doing the responsible things, but you can't tell whether it's enough or what to change.
Features at a glance
Everything included in your own workbook for a single one-time payment
Plan your future
- Retirement and financial independence planning
- Debt payoff plans with a clear target
- Sinking funds for your savings goals
- A bill calendar for upcoming commitments
Manage your money
- Fully connected budgeting with the money you have
- Cash, investment and debt accounts in one system
- Investment and asset tracking connected to your budget
- Dividend income tracking alongside work income
Understand your progress
- Net worth tracking and analysis across your accounts
- Cash flow statements that follow your money
- Portfolio progress against your wealth plan
- Customizable milestones to recognize your progress
Make it yours
- Six color packs to suit your style
- 35 currency formats available at launch
- Data import and export through the add-on
- Data migration to future worksheet versions
Be your own money coach
Money Monk connects every part of the wealth journey in an integrated platform. It helps you build a plan that you are proud of and then tracks the daily money workouts you need to meet your long-term goal. Each action is part of the Money Monk Plan, Act, Review, Modify framework.
Like a training plan, the daily work only makes sense when it is connected to a destination.
Define retirement plan, investment targets, debt & long-term savings goals.
Act: Daily money decisionsTake control of expenses, assign money, and prioritize your spending.
Review: Assess your performanceSee the numbers that matter: net worth, savings rate, cashflow & more.
Modify: Make informed changesWith a clear view, adjust your plans as you grow with your money.
Plan: Build Your Wealth Vision
Empower your money habits by starting with the finish line in mind. Money Monk helps you create a retirement or financial independence goal that connects to your daily budgeting habits and tracks your performance over the long-term.
- An integrated planning AND action system
- Connect daily actions to your long-term goal
- Make empowered money decisions
Debt & Sinking Funds
Combine long-term financial independence planning with debt payoff and saving plan goals. Have a plan for all parts of your money future so you can make the best use of your hard-earned money.
Act: Maximize every dollar
Take control of your cashflow. The Money Monk budget tracks every dollar you make, both investment and work income. You assign the money you earn to the goals you have and the system tracks your progress. You get to prioritize what is important and reduce money stress.
- Budgeting that works with the money you have
- Target setting for all your big money goals
- Full bill calendar to never be surprised by a bill again
- Flexible budget customization to fit your style
Transactions & Money Assignments
Design a budget that fits your needs and record your spending to categories. Track your targets and upcoming spending and assign money on hand to goals in the Money Assignments Log. Assign due dates to build your customizable bill calendar.
Build your investments
Wealth building doesn't end with good budgeting habits, and neither does Money Monk. Track all your accounts and investments in one place. Connect budgeted cash to the assets it purchases, then see how your holdings and net worth change over time.
- Fully connects your budget to investment activity
- Track your financial independence assumptions to real portfolio values
- Manage dividend and interest income
- Portfolio allocation tracking and re-balancing
- Integrates investment value tracking in net worth reporting
Ready for the financial independence journey
Track your holdings and make adjustments based on your personal investment plan. Modify your savings and investment actions as you compare your wealth plan assumptions to real market returns.
Review: See what matters
See your savings rate, investment changes, net worth growth, expenses, and progress toward financial independence in one connected system that follows the flow of every dollar you earn. Because each one matters.
- See every part of your financial life in an integrated system
- Know the numbers that matter for long-term success
- Track progress to know your effort is making a difference
Money Flows
Money Monk tracks both investment and work income, plus asset purchase tracking so you get a realistic picture of your financial progress.
Modify: Improve your plan over time
As you grow with the system, refine your savings, investments, and retirement assumptions over time to suit your unique life situation.
- Follow recommended actions or make adjustments
- Adjust your wealth plan savings rate to see impact to retirement
- Make investment changes to match your risk appetite
- Work towards milestones
Full control over your plan
Modify investment allocation preferences to receive buy/sell recommendations
Review wealth plan analysis for changes to retirement timing or savings requirements
Other Features
Never miss a due date
A built-in calendar for your essentials and everything else.
- Customize the calendar to your essentialsConnect every bill and commitment to the budget that funds it.
- See upcoming expenses at a glanceGet a bird's-eye view of upcoming expenses and commitments.
- Assign money before due datesSee where money needs assigning before a payment is due.
Bill Calendar
Scheduled expenses, debt payments, and sinking funds in one calendar.
Pay off debt and save for what matters
Build a debt payoff plan that saves money on interest and create savings plans for what is important to you. Once your plans are created, Money Monk tracks your progress and surfaces the actions that need attention each month.
- Customize a debt payoff plan that works for you
- Be ready for surprises with smart savings goals
- Integrate these plans into daily money decisions
Debt payoff
Debt summary and payoff settings show balances, progress, and assumptions.
The Money Monk worksheet companion add-on
The Money Monk companion add-on powers the long-term recordkeeping of the Money Monk sheet. It also brings app-like conveniences to your personal Google Sheet at no additional charge. The workbook and add-on work together as one system, so you’ll install the add-on through Google during setup. No separate add-on subscription is required.
Add-on Features
Keep important details in focus
View account activity, balances and recent money movement while you work in your sheet.
Productivity tools
Advanced reporting, data management and automation.
- Advanced charts not available in Sheets
- Easily import/export/start your sheet over
- Conveniently capture net worth over time
- Built to enable future updates without having to start over
Custom currencies and themes
- Wealth building is borderless and Money Monk supports 35 currencies at launch including: USD, EUR, GBP, JPY, CAD, AUD, CNY and many more.
- Six color packs available in the Money Monk add-on (included with purchase)
Who created this
Hi, I'm Greg
Thanks for your interest in the Money Monk Sheet and Add-on. I spent the better part of 2026 building this in Early Access as a solo entrepreneur. You may have seen some of my YouTube videos or blog posts. If you have followed my channel you will know that I am dedicated to helping everyday people build wealth. I am passionate about this because of my own 15 year journey and how small but consistent actions, mixed with the right mindset, education, and tools can transform your financial future.
The Money Monk system is what I wish I would have had along the way and is what I now personally use to run my budget and investing in early retirement. If you decide to purchase, I look forward to growing the system with your feedback.
Pay once. Use for years.
one-time payment (50% off)
- All-in-one Zero Based Budget, Investment and Wealth System
- The Money Monk companion add-on at no additional cost
- Free updates without having to start over
- Comprehensive debt and long-term savings planner
- Fully customizable bill calendar
- Investment tracking and asset allocation manager
- Customizable reporting to inform your wealth plan
- Ongoing updates, communications, and setup walkthroughs from me
Before you begin
What is your refund policy?
Short answer: I do not offer refunds on the sheet because it is a digital product.
The reason: I have spent thousands of hours building this system with the intention of delivering it at a reasonable cost WITHOUT an ongoing subscription. Because I built it without creating a 'permanent renter' like most apps do with monthly fees, I can't simply turn off access. Once it has been delivered you have it for life. Because of this I do not offer refunds once a copy has been delivered. If you have any concerns or questions please do not hesitate to contact me at support@moneymonk.co before purchasing. Stay tuned for full walkthroughs of the tool as well so you can decide if it's right for you. For full terms of service please see moneymonk.co/terms.
What is Early Access for this product?
Early Access is a development model that lets a creator sell an unfinished product to gather user feedback and fund ongoing development. I am offering an Early Access offer at 50% off to supporters who would like to support my work and so that I can get real-world feedback on the use of my wealth-building system and develop it based on your input. Early Access means that there may still be bugs, especially as I continue to make the system more advanced.
What you get:
- All-in-one Zero Based Budget, Investment and Wealth System
- The Money Monk companion add-on at no additional cost
- Free updates without having to start over
- Comprehensive debt and long-term savings planner
- Fully customizable bill calendar
- Investment tracking and asset allocation manager
- Customizable reporting to inform your wealth plan
- Ongoing updates, communications, and setup walkthroughs from me
Who is Money Monk for?
People serious about building wealth who want to turn that commitment into a plan and consistent action. You may be paying down debt, starting to invest, or working toward financial independence.
Do I need a Google account?
Yes. Creating a Google account is simple and free. The worksheet will be kept in your personal Drive folder. You can download an offline copy, however most functionality will not work outside of a Google Sheet.
How will I get access?
Purchases and customer access are handled through Teachable, with the workbook link, add-on installation instructions, and onboarding material in one place.
Does it run in Excel or another spreadsheet tool?
No. My focus has been on developing this system in Google Sheets. It will not work in other spreadsheet tools without significant effort. I would not make the purchase if you are uncomfortable using Google Sheets.
Does this work on mobile?
For now, no. It has been developed with a focus for a computer with access to the internet and a web browser for Google Sheets use. I eventually plan to build limited functionality in a mobile sheet, but you should only purchase this if you have access to a computer.
How much effort does this take?
Entering transactions and assigning money in the budget is manual. This means that you should be comfortable entering transactions in the tool. I encourage anyone I coach to manage transactions manually like this. It creates intentional focus on where your money is going. Plus, your data is not being funneled through a 3rd party provider this way. I do plan to offer automation like importing CSVs in the near future as part of my roadmap.
Will I be able to get help?
Yes! I will be launching ongoing setup meetings where you can join to ask questions or get help. I am also available at support@moneymonk.co. I do not currently offer individual financial coaching but I do have plans to offer additional paid services that will help with further personalizing your Money Monk plan.
Do I need to be a financial expert to use this tool?
No. The system can support advanced personal finance usage, like managing your asset allocation, building an early retirement plan, debt payoff modeling and more. But you can grow into the advanced features over time. I will soon be launching ongoing setup tutorials, so in early access you can join me if you have questions or need help.
Can you see my financial data?
No. Your copy of the Money Monk spreadsheet is your own personal copy that no one else can see unless you decide to share it with someone. The required add-on does not transmit any personal financial data from the Sheet. Full detail on the add-on can be found in our privacy policy.
Can my partner use it too?
Yes. Each purchase covers up to two people sharing a budget and wealth plan.
Will I get updates?
Yes. I have spent a lot of time developing the add-on and sheet to be upgradable. My goal is to develop this for years and enable you to update your existing sheet without having to start all over.