Money is scattered
- Different accounts tell different stories
- Transfers inflate apparent spending
- Annual costs disappear from monthly thinking
- Manual spreadsheets become another chore
PERSONAL FINANCE, CALCULATED
See your whole financial picture. Then take control.
Money Calculated turns supported UK bank exports into a clear, automated Excel finance system—so you can understand years of money movement without connecting another app to your bank.
No bank login required Built for UK exports Your Excel, your data
DATA CURRENT
INCOME£3,420+4.2%
EXPENSES£2,580−8.1%
NET CASH FLOW£840+£312
SAVINGS RATE24.6%+3.4 pts
INCOME, EXPENSES & CASH FLOWMONTHLY
JANMARMAYJULSEPNOV
SPEND MIX
TOP 582%
Housing Food Transport
↗
CALCULATED INSIGHTYour strongest cash-flow month this year
DEMO DATASPECIFIC CATEGORIES95.8%
REFRESH WORKFLOWCSV → INSIGHT
8,665transactions tested
7 yearsof real-world data
28structured data fields
4 layersof categorisation priority
THE PROBLEM
Your bank app shows today. It rarely explains the pattern.
Balances and monthly summaries are useful, but they can blur the difference between spending, transfers, savings, refunds and adjustments. Money Calculated is designed to make that difference visible.
One controlled picture
- Supported accounts standardised together
- Transactions classified using reusable rules
- Cash flow, savings and trends kept distinct
- Dashboards refreshed instead of rebuilt
THREE STEPS. NO FINANCE THEATRE.
From bank export to financial clarity.
A repeatable routine designed for ordinary people—not spreadsheet engineers.
01
Export
Download a supported CSV from your bank. No Open Banking connection and no bank credentials shared.
02
Refresh
Place the file in the correct folder and refresh. Power Query cleans, combines and categorises the data.
03
Understand
Use focused views for overview, month, trends, transactions, accounts, goals and settings.
BUILT AS A SYSTEM
Powerful underneath. Clear on the surface.
The value is not another decorated budget sheet. It is the architecture behind it: imports, standardisation, rules, calculations and reporting working together.
See everything included →Import without the admin
Drop supported Monzo and Starling exports into their folders. Refresh once. The system does the repetitive work.
Categorise with control
A structured rules engine organises merchants, transfers, refunds, savings and one-off corrections without editing transactions by hand.
See the real pattern
Move beyond a bank balance. Compare income, expenses, cash flow, savings, categories and trends across years of activity.
Keep the flexibility of Excel
Your finance system remains inspectable, adaptable and under your control—without needing to learn another budgeting app.
THE MONEY CALCULATED STANDARD
Clear numbers. Honest limitations. No empty promises.
Money Calculated is educational software, not personalised financial advice. We explain how every important figure is calculated, disclose compatibility clearly and never promise guaranteed savings or wealth.
Transparent methodologyUK-first developmentPrivacy-conscious workflowReal data validation
Read how we calculate →LEARN WITH THE NUMBERS
Practical personal finance. Properly calculated.
01
Your bank balance is not your financial position
The five numbers that tell you far more than the figure at the top of your banking app.
02
What 8,665 transactions revealed about everyday money
Seven years of data, one honest financial review and the patterns that monthly summaries miss.
03
Is your side hustle actually making money?
A straightforward way to calculate true profit after fees, costs, losses and your time.
EARLY ACCESS
Be among the first to put your money into focus.
Join the launch list for beta access, product updates and the Money Calculated Financial Check-Up.