SG Finance TrackerEverything you need to know
From first setup to FIRE dashboard — step-by-step guides for every feature.
Plans & Upgrades
Core tracking is free. Paid plans unlock more.
SG Finance Tracker offers three tiers. Core expense tracking is free forever — paid plans unlock higher limits and premium features.
| Feature | Free | Plus ($7.90/mo) | Pro ($19.90/mo) |
|---|---|---|---|
| AI Queries | 3/mo | 50/mo | Unlimited |
| Receipt Scans | 3/mo | 50/mo | Unlimited |
| Templates | 3 | 10 | 30 |
| Recurring | 1 | 5 | 20 |
| Budgets | 2 | 12 | 12 |
| Reminders | 2 | 5 | 20 |
| FIRE Dashboard | Basic | Full | Full |
| Net Worth | — | Yes | Yes |
| Monthly Reports | — | Yes | Yes |
| Weekly AI Digest | — | Yes | Yes |
| Daily Streaks | Yes | Yes | Yes |
Checking your plan
Send /upgrade in the bot to see your current tier and a comparison of what each plan offers. Visit the Pricing page for full details.
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)
- Category breakdown (pie)
- Payment method breakdown (pie)
- Daily spending — last 30 days (bar)
Financial planning charts
- Net worth trend (line)
- Net worth composition (stacked bar)
- FIRE progress over time (line)
- FI milestones — 10% to 100% (bar)
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.