Write It Down: Personal finance tracker for income, expenses and savings management

What it does

Write It Down is a Google Sheets template for personal finance tracking. Users record income, expenses, and transfers across accounts. The sheet displays a monthly summary on one screen, showing where money actually goes. Categories and accounts are customizable. Version 2 adds multi-currency support, budgeting features, and four visual themes. An optional dashboard feature (under Google review) can merge multiple sheets into multi-year wealth charts and category trends.

Who it is for

The product targets people who want to understand their spending without complexity. The founder notes that 60% of adults can't name what they spent last month. Users include those new to spreadsheets and people managing household finances with family or friends. The family bundle supports two to four people sharing one payment.

Pricing

Write It Down costs $5.99 for version 1 or $8.99 for version 2 as a one-time purchase with no recurring fees. The family bundle (version 2 for multiple people) starts at $4.99 per sheet. The optional dashboard is included at no extra charge once purchased.

How it stands out

The product deliberately avoids trendy AI features. It operates entirely within Google Sheets, so users own their data in their own Google Drive rather than uploading to external servers. The one-time payment model eliminates subscription friction. The homepage emphasizes simplicity and a single-screen view of monthly finances. The founder's origin story—a personal spreadsheet that gained 130,000 views on Reddit without promotion—demonstrates organic user pull.

What a founder should check

A competitor should verify the actual switching costs. Most users already have Google Sheets accounts and basic spreadsheet familiarity, so the barrier to trying an alternative is low. Check whether the dashboard feature (still under Google review) will become a meaningful moat once launched, or if competitors can replicate it quickly. Finally, examine pricing pressure: at under $10 for lifetime access, explore whether margins sustain development and whether users will tolerate price increases or if a competitor could undercut significantly.

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