Tiller is a company whose service imports bank and card transactions into Google Sheets and Excel; its blog covers spreadsheet-based money management.
HN commenters recommend Tiller to people who like spreadsheets for budgeting, praising its automatic transaction import and low ongoing effort. One calls it the best finance tool they've tried.
Shameless plug - I wrote a SaaS that's pretty much just a SMS <-> google spreadsheet mapper. https://byobudget.com
That said, yours looks a lot more full-fledged than mine. Mine can only record transactions and then send a response (which it reads calculated from the spreadsheet based on the last transaction, which I'm very proud of for the level of customization it provides), but I've been noodling over how to add custom commands.
FTR, I shameless stole my idea from an earlier HN comment sometime last year; if you're considering implementing a SMS/spreadsheet system yourself, I'd check it out https://news.ycombinator.com/item?id=17313321
Edit: I really am happy with my solution because it basically lets you take any google sheets based transaction you have and add SMS as an input method.
Edit 2: Sorry if you encounter any rough edges if you go to use BYOB - I haven't marketed it widely, but my wife and I do use it. Any feedback is very much welcome.
Edit 3: If you don't want the manual import of transactions (but do want the freedom of a spreadsheet) then I'd suggest TillerHQ instead https://tillerhq.com I haven't used em, but I came across them when doing research before launching BYOB.
I was using Tiller (https://www.tillerhq.com), pulling from US and European banks to a Google sheet, then a command line tool to pull CSV from there. This worked well except for not handling foreign currency (it calls everything $), adding a bit of extra latency/uncertainty on top of the back end (Yodlee), and eventually forgetting to update your sheet unless you manually visit it every so often.
Currently I’m using plaid2qif (https://github.com/ebridges/plaid2qif) to pull CSV from US banks via Plaid’s (https://plaid.com) API. This is more developer friendly and gets the latest data to me faster, but the data is not quite as good as Tiller/Yodlee’s, at least for Wells Fargo bank; Plaid gives more truncated transaction descriptions.
Both of these have the big downside of sharing your bank credentials with others. With Plaid I guess there’s one less party involved. My current alternative is manually visit each bank’s site and download CSV. Ideally I want to get timely data every day (the easiest way to stay on top of the books), so the manual downloading (click, wait, click, relogin after timeout..., wait, wait for paypal’s download, retry when it gets stuck..) gets really tiresome.
For anyone who likes spreadsheets but wishes the boring data input bits were a little more automated, check out: https://www.tillerhq.com
Imagine a Google sheet where 1 tab pulls in all your transactions from each of your banks / credit cards / investment accounts and the other tabs are... Whatever you can imagine.
I am a huge fan, after I graduated from mint.com I've never looked back after finding Tiller.
You can customize to your hearts content (it's Google Sheets, after all), plus they have handy template sheets to get started with.
I personally have sheets to track my monthly spending (by category), my networth, my checking account balance vs sum of all credit card bills, my progress on credit card signup bonus minimum spend challenges are more.
I was just going to say "I'm just getting off my ass and tightening up my financial habits".
For those of you like me, who like spreadsheets but don't know exactly where to start, I can recommend Tiller Money: https://tillerhq.com. Sometimes the best place to start is just "knowing where you stand". But there's lots of great tools for personal finance. Pick one and hop to it.
But there's no secret magic there, and I'm not even sure I'm doing anything different now that I shouldn't have already been doing 2 years ago. I may not have spent so much money... but that's a me problem not the "result of a recession" problem.
Check out Tiller! https://www.tillerhq.com/
I tried going down the route of dealing with OFX in GNUCash, and it's just a huge never-ending hassle. Tiller dumps the raw data from Yodlee (the backend that does the gnarly interfacing and cleaning for most PFM sites, besides Mint) into Google Sheets. From there you can use Apps Script or the Sheets API to push the data wherever you want. Sure, it's $5/mo, but well worth it for not ever dealing with bank websites or APIs or OFX formats again.
I'm a big fan of Tiller [1], which is a paid service that basically just connects Yodlee to Google Docs or Excel. It will dump all your transactions and balance info into a spreadsheet and you can do what you want with it. It also has lots of templates for things like budgeting etc. I run a daily cron job that loads the transaction data and produces a nice Jupyter-based report. It will require some custom building, but the API plumbing is done for you.
[1]: https://www.tillerhq.com/