Take Control of Your Money in One Place

Stop wondering where your money went.

Worthory Money OS is an all-in-one personal finance system designed to help you organize your money, understand your spending, and track your financial progress without juggling multiple spreadsheets.

Available for both Google Sheets and Microsoft Excel (.xlsx), so you can use the version that works best for you.

Your entire financial picture. One system.

Money OS brings the most important parts of your finances together so you can see where you stand and what needs your attention.

What's Included

📊 Financial Dashboard
See your income, expenses, cash flow, savings rate, monthly performance, and spending patterns at a glance.

💰 Monthly Budget System
Set your planned spending and compare it with what you actually spent.

🧾 Transaction Tracker
Keep your income and expenses organized in one master transaction log.

📅 Month-to-Month History
Move between months without overwriting your previous information, so you can build a financial history over time.

🎯 Savings Goal Tracker
Track multiple savings goals, see your progress, and calculate how much you need to save each month.

💳 Debt Payoff Tracker
Organize balances, APRs, minimum payments, extra payments, and payoff progress.

📈 Net Worth Tracker
Watch your assets, liabilities, and net worth change over time.

🔄 Subscription Tracker
See your recurring expenses and how much your subscriptions actually cost each year.

🗓️ Annual Review
Compare all 12 months and see your income, spending, savings, and cash flow across the year.

How It Works

1. Choose Your Version

Use Money OS in Google Sheets or download the Microsoft Excel (.xlsx) version.

2. Add Your Information

Enter your income, expenses, budgets, goals, debts, subscriptions, and financial balances.

3. Let Money OS Organize It

Built-in formulas and dashboards turn your entries into an easy-to-understand view of your finances.

4. Keep Using It

Add new transactions and budgets as the months pass while keeping your previous financial history intact.

Built for People Who Want Simplicity

Money OS is for you if you:

• Make money but aren't sure where all of it goes
• Want to start budgeting without making it complicated
• Have savings goals you're trying to reach
• Want to get serious about paying down debt
• Have subscriptions and recurring expenses everywhere
• Want to track your net worth
• Want one organized place for your finances

You don't need to be a spreadsheet expert.

Money OS was designed to make managing your money easier to understand.

Start Building Your Worth

Getting better with money starts with knowing where you stand.

Get Worthory Money OS and build a financial system you can actually stick with.

Important Information

Worthory Money OS is a digital spreadsheet product. No physical product will be shipped.

Includes access to both Google Sheets and Microsoft Excel (.xlsx) versions.

For educational and organizational purposes only. Worthory does not provide individualized financial, investment, tax, or legal advice.