SG Finance TrackerEverything you need to know
From first setup to FIRE dashboard — step-by-step guides for every feature.
Google Sheets Dashboard
Built-in charts that update as you track.
Your Google Sheet is more than a data dump — it has built-in charts and analytics. Send /dashboard to open the Dashboard tab, or /sheet for the raw data.
Spending charts
- Monthly spending trend (line) — total spending per month so you can spot seasonal patterns
- Category breakdown (pie) — where your money goes at a glance
- Payment method breakdown (pie) — card vs cash vs GrabPay usage
- Daily spending (bar) — last 30 days, helpful for identifying spending spikes
Financial planning charts
- Net worth trend (line) — month-over-month net worth growth
- Net worth composition (stacked bar) — assets vs liabilities breakdown
- FIRE progress (line) — how close you are to financial independence
Charts update automatically as you add data. If charts ever look wrong after a bot update, tap Rebuild Dashboard to regenerate them.
Editing Your Sheet Directly
Your Google Sheet is fully yours — you can open it anytime and edit data directly. This is useful for bulk changes, fixing older entries, or adding notes.
How to open your sheet
Send /sheet to get a direct link to your spreadsheet, or find it in your Google Drive under the name SG Finance Tracker.
| Column | Safe to edit? | Notes |
|---|---|---|
| Date (B) | Yes | Use DD/MM/YYYY format |
| Category (C) | Yes | Must match one of the 12 categories exactly |
| Description (D) | Yes | Free text — edit freely |
| Amount (E) | Yes | Use numbers only (e.g. 15.50) |
| Payment Method (F) | Yes | Must match a method from your Payment Methods tab |
| Month (G) | No | Contains a formula — do not delete or overwrite |
| Notes (H) | Yes | Free text — add extra context |
| ID (A) | No | Auto-generated formula — do not touch |
Adding rows manually
You can add expense rows directly in the sheet, but the ID and Month formulas won't auto-fill. It's easier to use the bot for adding expenses and reserve manual editing for corrections.
Deleting rows
Right-click a row and select Delete row (not "Clear row"). Deleting shifts rows up and keeps the sheet clean.
Other tabs
- Payment Methods — managed via /cards
- Dashboard — auto-generated charts (view only)
- Net Worth — managed via /networth
All Commands
Every command at a glance.
Complete reference of every available command:
Tips & Tricks
Quick entry is fastest
Skip /add entirely. Just type 15.50 lunch directly — the bot picks it up automatically.
Use keywords for auto-categorization
Include keywords like "grab", "mrt" for Transport, "ntuc" for Groceries, or "netflix" for Entertainment.
Cancel anytime
Stuck in a multi-step flow? Send /cancel to abort and start fresh.
Your data is yours
All expense data lives in your Google Sheet — you can view, edit, export, or delete it anytime. The bot never stores a separate copy.
Set up templates for daily expenses
If you buy the same coffee every morning, create a template. One tap to log it — no typing at all.
Track subscriptions automatically
Use /recurring for Netflix, Spotify, gym, rent — anything that repeats. The bot logs them on the correct date each month.
Get better receipt scans
Lay the receipt flat, use good lighting, and make sure the total is clearly visible. The AI reads the photo — blurry or crumpled receipts may need manual correction.
Ask AI the right questions
Try specific questions like "How much did I spend on food this week?", "Am I over budget on transport?", or "What's my biggest spending category?" The more specific, the better the answer.