A clean finance tracker built in Apple Numbers + Shortcuts.

No Subscription. No bloat. Just Clarity.

Privacy & Control: By building your own tracker instead of using a mass-market app, you aren't feeding the "data-hungry" machine; you’re keeping your world private and intentional.

What You’ll Need

• Apple device (Mac, iPhone, or iPad)
• Apple Numbers
• iCloud access
• Apple Shortcuts app

How to download

1.mov

4. Setting Up the Numbers Spreadsheet

• Open the .numbers file on your Mac or iOS device.
• Save a local copy to your iCloud Drive or device.
• Familiarize yourself with the tabs:
  • Dashboard – auto-updating summary
  • Daily Expense Log – where you’ll input expenses manually
  • Monthly Summary / Source Data – backend data driving the dashboard
  • Cash Flow – income and outflows
  • Net Worth Tracker – asset vs liability snapshot
  • Credit Card Summary – balances, due dates, utilization

3. Basics of Double-Entry Bookkeeping

Double-entry bookkeeping means that every transaction affects at least two accounts — one is debited, and the other is credited — ensuring your books stay balanced.

🔹 Debit vs. Credit

• Debit: Increases assets or expenses, decreases liabilities
• Credit: Increases liabilities or income, decreases assets

🔹 Example:

If you purchase a car worth $10,000:

• Debit: Car (asset) → $10,000
• Credit: Bank account (asset) → $10,000