Made Ready Budget Tracker imports your Monzo, Chase, Starling or Barclays bank statement in seconds, categorises every transaction automatically, and shows your safe-to-spend in real time. The only Google Sheets budget tracker built specifically for UK banks. No manual entry. No subscription. Yours forever.
Set up once in under ten minutes. After that, Made Ready Budget Tracker does the work.
Click the link in your Etsy download. Google Sheets opens a private copy in your own Google account. Nothing is ever shared with Made Ready Co.
Go to the ⚙️ Setup tab. Enter your categories and monthly budget targets. Pre-filled examples are included to get you started.
Export a CSV from your Monzo, Chase, Starling or Barclays app. Click 🤖 Made Ready Budget → Import CSV, select your bank, paste the data. Done in seconds.
Standard uses 80+ pre-loaded UK merchant keywords. Pro uses Claude AI to read raw descriptions and categorise everything — even merchants not in any keyword list.
MRBT Pro: AI-powered categorisationBudget vs actual by category, safe-to-spend, net worth tracker. Updates live as transactions land. Pro adds a plain-English AI insight written into your sheet monthly.
Built for UK bank accounts. Designed to eliminate the manual work of tracking where your money goes every month.
One-click import sidebar supports Monzo, Chase UK, Starling, Barclays, and Revolut CSV exports — plus a Generic format for HSBC, NatWest, Lloyds, Nationwide, Santander, and any other UK bank. Paste your raw CSV, select your bank, and the tracker formats and imports every row automatically.
Standard + Pro80+ pre-loaded UK merchant keywords instantly assign categories — TESCO to Groceries, UBER to Transport, NETFLIX to Subscriptions. Add your own rules in Setup. Runs overnight via a scheduled trigger.
Standard + ProClaude AI reads raw transaction descriptions and categorises them correctly — including merchants not in any keyword list, cryptic bank references, and international charges. Zero rules required.
Pro onlyQUERY-powered charts show budget vs actual spending by category. Updates the moment new transactions land. See your financial position at a glance — no refreshing, no manual recalculation.
Standard + ProAt month end, Claude analyses your full spending data and writes a personalised 5-sentence insight directly into your dashboard. Specific, actionable, and written for your actual numbers — not generic tips.
Pro onlyYour hero number. Monthly income minus committed spending minus what you've spent so far this month. Updates live. The one number that answers "can I afford this?" without opening a calculator.
Standard + ProType any question in plain English — "What did I spend on food in March?" or "Am I on track to save £500 this month?" — and get an instant plain-English answer inside the sheet.
Pro onlyClaude scans your transactions for duplicate charges, unexpected price increases on subscriptions, and unusual spending spikes. Flagged automatically — catching what manual review misses.
Pro onlyTrack assets, liabilities, savings pots, and debt payoff progress over time. See your full financial position — not just spending — and watch it improve month by month.
Standard + ProYou don't need to know anything about spreadsheets or files to use MRBT. Here's all you need to know.
CSV stands for "Comma-Separated Values" — but ignore that. In plain English, it's a simple file your bank lets you download that contains a list of everything you've spent and received. Each row is one transaction: the date, the merchant name, and the amount. Nothing more, nothing less.
It does not contain your account password, sort code, account number, or anything that could be used to access your bank. It's the digital equivalent of your paper bank statement — just easier to work with.
A fair and important question. Here is exactly what happens to your financial data — and what never happens.
When you click the Made Ready Budget Tracker download link, Google creates a private copy in your own Google account. Made Ready Co never has access to your sheet, your transactions, or your balance data. Think of it like buying a recipe book — the ingredients you put in are entirely yours.
The CSV file you download from your bank contains a list of transactions — dates, descriptions, amounts. It does not contain your account password, sort code, account number, or any authentication details. Importing it into Google Sheets is no different from reading your paper bank statement.
Made Ready Budget Tracker Standard uses only Google's own Apps Script running inside your Google account. No data is ever sent anywhere outside Google. The auto-categorisation runs entirely within your sheet — zero external connections.
MRBT Pro sends only raw transaction description text (e.g. "TESCO STORES 1234") to Made Ready's API for AI categorisation. Amounts, dates, and account details are never transmitted. The description text is processed in real time and immediately discarded — never logged, stored, or used for any other purpose.
Once your transactions are in the tracker, delete the CSV file from your computer and empty your downloads folder. The CSV is the most sensitive file in this process — the sheet itself is protected by your Google account login and two-factor authentication.
Your Made Ready Budget Tracker is protected by the same Google security infrastructure that protects Gmail, Drive, and Google Pay. Enable two-factor authentication on your Google account and your financial data is as secure as it can reasonably be in any digital tool.
Both give you a fully automated UK budget tracker. Pro adds Claude AI running invisibly inside the sheet.
No monthly fees. No subscription. Buy once on Etsy, use it for as long as you manage money.
"I've tried every budgeting app going. This is the first thing that actually shows me where my money goes without me having to manually enter every transaction. The Monzo import is brilliant."
"The Pro version is worth every penny. The AI monthly insight flagged a subscription I'd completely forgotten about — saved me £8.99 a month. The tracker paid for itself in four months."
"Genuinely the best finance template I've found on Etsy. The setup video makes it completely foolproof. I had my first month's Starling data imported and categorised in about 12 minutes."
None at all. You need a free Google account and the ability to download a CSV from your bank app — something most people do in under a minute. The ReadMe PDF and 90-second Loom video walk you through every step. Most buyers are set up in under 10 minutes.
A CSV is a simple file your bank lets you download containing a list of your transactions — dates, merchant names, and amounts. It doesn't contain passwords or account numbers. Every major UK bank supports CSV export: in Monzo go to Account → Export Transactions. In Starling go to your account → Statement → Download → CSV. In Chase tap the export icon in the transactions screen. In Barclays go to Statements → Export. In Revolut go to Profile → Statements → CSV. For HSBC, NatWest, Lloyds, Nationwide and Santander look for Export or Download in your online banking statement view. The full step-by-step guide is in the "What is a CSV?" section above.
The import sidebar has built-in presets for Monzo, Chase UK, Starling, Barclays, and Revolut. There's also a Generic format that works with any UK bank that exports CSV files — covering HSBC, Nationwide, NatWest, Lloyds, Santander, and virtually every other UK bank and credit card. MRBT Pro's AI categorisation works with any bank regardless of CSV format.
Yes — and it's significantly safer than connecting your bank account to a third-party budgeting app. Your bank CSV contains only transaction descriptions and amounts — no passwords, no account numbers, no authentication credentials. The tracker lives entirely in your private Google account. Made Ready Co never has access to any of your data. See the full security breakdown above.
No. All you need is a free Google account. The AI features in MRBT Pro run on Made Ready's own infrastructure, covered by your one-time purchase. No Anthropic account, no Claude subscription, no extra setup of any kind.
Search "Made Ready Budget Tracker Pro Upgrade" in the Made Ready Co Etsy shop — listed at £15 for existing Standard customers. You'll receive a new tracker download with all Pro AI features pre-configured. Your existing transaction data copies across in about two minutes.
Yes — Google Sheets has full iOS and Android apps. The dashboard and transactions are fully usable on mobile. We recommend importing your bank CSV on a laptop or desktop (the sidebar works best there), then checking your budget on your phone throughout the month.
Made Ready Budget Tracker is built specifically for Google Sheets and uses Google's Apps Script for all automation. It is not compatible with Microsoft Excel — the automation layer simply doesn't exist in Excel. A free Google account is all you need, and Google Sheets works in any browser on any device.
Get Made Ready Budget Tracker Standard for £14.99 or go straight to Pro for £34.99. One-time purchase. Instant Etsy download. Works entirely inside your own Google account.
Made Ready Co · madeready.co · Questions? madeready.co@gmail.com