Monley

The spark

I've been tracking my spending for a while. The habit was never the hard part, consistency was.

It started in Excel, building my own formulas to answer one thing: not just where the money went, but how much I had left to spend, right now.

I tried the usual apps too. Feature-rich, well designed, and somehow still too heavy to open every day. So I moved back to Google Sheets and started over.

Now, with AI in the picture, I started thinking about simplifying it properly: less columns to fill, better UI, and using AI as part of the build itself.

That's Monley. Built to answer one question honestly: where is my money?

What it does

• Daily spend limit, calculated live, so you always know how much is actually safe to spend today, not just what's left in the month
• Logs daily spend against a monthly cycle, not a calendar month
• Quick-add, built to remove the friction that made the old apps feel heavy
• A reconciliation view at the end of each cycle, so you know, not guess
• Splits fixed costs (rent, recurring transfers) from actual daily spend

How it's built

No backend, no hosting bill, no new account to create. Monley is a Google Apps Script web app sitting directly on top of a Google Sheet.

Try it yourself

1. Make sure you're logged into your Google account, then open the Monley template link [link] and click "Make a copy" when prompted
2. Rename the copy if you'd like, it's fully yours now
3. Open Extensions → Apps Script from that sheet, the code is already there, it copied with the sheet
4. Click Deploy → New deployment
5. Select type: Web app
6. Set "Execute as" to Me, and "Who has access" to Only myself
7. Click Deploy
8. Google will show an "unverified app" warning, click Advanced → Go to [project name] (unsafe) to authorize it, expected for personal scripts, not a red flag
9. Copy the Web App URL it gives you
10. Bookmark it, open it, start logging

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