FRESH SHEET · MONEY

Know where it all went.

Bring in your bank statements. Fresh Sheet turns them into one ledger, sorts it into the parts of your life, and shows you what it adds up to. Dewey reads it with you and tells you what he sees.

CSV importsOne ledgerBudgetsGoals and net worth

September so far: you've spent $4,812 of $6,100 — Home $2,140, Groceries $980, Dining out $610, Ellie $540, Getting around $372, Everything else $170.

Dining is ahead of last month. Everything else is right where you'd want it.

EMERGENCY FUND$8,400 of $12,000
NET WORTH$214,600, up $3,180 since August
01 · BRING YOUR STATEMENTS

No bank logins. Just your files.

Download a CSV from each bank and drop it on your sheet. Fresh Sheet matches it to the right account, skips anything it has already seen, and adds the rest to your ledger. Nothing connects to your bank, ever.

WHAT YOU DROP IN
chequing_2026-09.csvTangerine · 164 rows
visa_statement_sep.csvVisa ••4417 · 144 rows
savings_export.csvHigh-interest savings · 4 rows
WHAT LANDS ON YOUR SHEET
IMPORT · VISA ••4417

Added 138 transactions.

AUG 28 – SEP 24 · 6 ALREADY IN YOUR LEDGER, SKIPPED121 FILED BY YOUR RULES · 17 WAITING FOR YOU

Most of it filed itself. Seventeen I wasn't sure about. They're in your inbox.

YOUR ACCOUNTS
02 · ONE LEDGER

Every account, on one page.

Each transaction gets a category. Dewey suggests one when he recognises it, and you have the final say. Tell him once that Costco is groceries, and he'll file it that way from then on.

LedgerSEPTEMBER · 4 ACCOUNTS · 312 TRANSACTIONS17 to review
Costco WholesaleSEP 24Visa ••4417GroceriesBY RULE−$218.46
Blue Door BistroSEP 23Visa ••4417Dining out✓ Keep−$74.20
Payroll depositSEP 23ChequingIncomeBY RULE+$3,412.00
Little Oaks DaycareSEP 22ChequingEllie · childcareBY RULE−$540.00
SQ *FARMERS MKT 0192SEP 21Visa ••4417Needs a category−$36.00
Shell 4471SEP 20Visa ••4417Getting around✓ Keep−$61.35
Transfer to savingsSEP 20ChequingEmergency fundBY RULE−$400.00
YOUR RULESCostcoGroceriesLittle OaksChildcareShell, EssoGetting around
03 · CATEGORIES AND BUDGETS

Grouped the way you live.

Categories roll up into a few groups: home, food, family, getting around. Give any of them a monthly budget, and you'll see how each one is tracking as the month goes on.

HomeMortgage, utilities, repairs$2,140OF $2,400
A little ahead of pace
Mortgage$1,890
Utilities$176
Repairs$74
FoodGroceries, dining out$1,590OF $1,500
$90 over, with six days left
Groceries$980
Dining out$610
Getting aroundFuel, transit, insurance$372OF $520
$148 left · on pace
Fuel$214
Insurance$118
Transit$40
The thin line is where you'd be if you spent evenly through the month. Today is the 24th.
04 · WHERE IT WENT

A picture of every month.

Monthly reports show where the money went and how it compares with the months before. The budget summary shows which lines held and which didn't.

Monthly reportAPR – SEPOpen report
HomeGroceriesDining outFamilyGetting around
August, budget summaryAll budgets
$5,640spent
$460under plan
9 of 11budgets held
Mortgage$1,890 / $1,890on budget
Groceries$820 / $900−$80
Dining out$540 / $400+$140
Childcare$540 / $540on budget
Fuel$214 / $260−$46
Subscriptions$96 / $60+$36
05 · WHAT IT'S FOR

Point it at what's next.

Set a savings goal or a retirement age, and your ledger tells you whether you're on pace. Add up what you own and what you owe, and watch your net worth month by month.

Net worthLAST 24 MONTHS
$214,600▲ $41,900 in two years
$133,300accounts and savings
$402,000home, estimated
−$320,700mortgage and cards
SAVINGS GOALOn pace for March
Emergency fund $8,400 of $12,000$400 on the 1st of every month, eleven months running.
SAVINGS GOALTwo months behind
Ellie's education $4,150 of $25,000An extra $60 a month catches it up by next summer.
RETIREMENTOn track
Retire at 61 $61,300 in RRSPAt today's rate you reach your number a year early.
06 · DEWEY'S BRIEFING

Someone to read it with.

At the end of each month Dewey writes you a briefing. He tells you where you stand, the good news, what to keep an eye on, and what he'd do next. Every claim shows its numbers.

On track

Under plan again, but not because Dining behaved.

August closed $460 under plan. Groceries gave back the most, because you cooked at home on 22 nights. Dining still ran over its own line, but by less than July. The emergency fund took its $400 on the 1st, like it has for eleven months.

$460Finished under plan
$5,640Spent last month
$140Biggest overrun · Dining
$4,812This month so far
Dewey's briefing5 min read · every claim shows its numbers
03THE GOOD NEWS

Groceries are down for the third month running, and a gym membership you stopped using finally ended. Your savings rate is the best it has been since spring.

Groceries▼$80
Gym membership stopped+$54/mo
SAVINGS RATE+2.4%
04WATCH LIST

Dining out has gone over its own line three months in a row. It isn't a lot each time, but it has stopped being a one-off. Subscriptions crept up too.

Dining out+$140
Subscriptions+$36
OVER 3 MONTHS RUNNING1 line
Here's what I'd do
#1Give Dining a line it can actually holdRaise it to $520 and take the $120 from Groceries, which keeps coming in under. Review Dining why
saves $140/mo✓ Mark doneRespond
#2Cancel two of your three streaming servicesYou watched one of them in August. That covers the education goal's shortfall. Review Subscriptions why
saves $36/mo✓ Mark doneRespond
07 · ON THE SAME SHEET

Money is one part of the story.

Your spending sits on the same sheet as your journal and your to-dos, so a $1,500 Saturday sits next to the day you moved in. Over a year, it becomes part of the chapter you were living.

MAY 2024 · JOURNAL · PRIVATEOur first home.We slept on the living room floor. Feels like a new chapter.
MAY 2024 · MOVING DAY

Saturday was a $1,500 day.

CHAPTER · HOME WITH ELLIE$71,300 spent, most of it on the house.See your life in chapters

Your statements already know where it went.Now you will too.

LEARN ABOUT EACH PART

One sheet in. The app drawer behind it. Your life out the other side.

Come in, and I'll ask you a few things.

Five questions, two minutes. Then bring your first statement, and we'll look at it together.

Set yourself upOr see the rest of Fresh Sheet first.