‘Personal Finance Tracker’ is a Google sheet designed to collate all aspects of personal finance into a single monthly view. It connects automatically to a Trading212 and Monzo account via API. This post details the setup process.

Setup

1. Access the Google Sheet here: https://docs.google.com/spreadsheets/d/1wvcU3_Wjt-cc1m66IbwJRoUza_nHWmjkU0OPwT7PeBI/edit?usp=sharing
2. Before starting the setup, make a copy of the original sheet into your own Google Drive:
   • File>Make A Copy

Authorize Your Google Account

Upon first opening the spreadsheet, authorization must be given to allow the script to run. To prompt authorization, any function must be run. This can be done as below:

• Finance Tools>Setup Monzo

• Click ‘OK’ when prompted for Authorization:

• Select Google Account and then select ‘Advanced’ and ‘Proceed’ when prompted with a security warning,

Select ‘Select all’ and then ‘Continue’

Setup Monzo Connection

Monzo provides an API which lets users connect to their own data for personal use. Connecting requires setting up an ‘app’ inside your Monzo Developer Portal, and obtaining a secret ID, secret Key and account ID.

Before setting up the connection in the spreadsheet, take the following steps inside your Monzo account:

1. Visit https://developers.monzo.com/ and sign in:
   1. NOTE: You must click on the link sent to your email using the same device that you visited the developer portal website.

1. Grant access via your Monzo mobile app when prompted.
2. Once logged into the developer portal navigate to ‘Clients’ and then select ‘New OAuth Client’

1. Enter a relevant name, select ‘Confidential, and enter a Redirect URL.

To obtain the Redirect URL, you must first obtain the script ID from inside the Google Sheet, and then enter it into the following url:

https://script.google.com/macros/d/{SCRIPT_ID}/usercallback

Finding the script ID:

• Inside the spreadsheet navigate to: Extensions>Apps Script
• Click on the settings cog and then copy the script ID as shown:

• After submitting the settings, obtain the ‘Client ID’ and the ‘Client secret’ as shown below:

• Obtain the ‘Account ID’ by going to https://developers.monzo.com/api/playground and copying as shown:

• Back in the Google Sheet select: ‘Finance Tools’>’Setup Monzo’ and enter the credentials when prompted:

1. If credentials are entered correctly a new window will popup showing another Monzo flow (enable popups if needed). Follow the flow and return to the main sheet once completed.
2. Check the Monzo connection was successful by clicking: ‘Finance Tools’>’Refresh Connection Status’
   1. The connection status indicator will turn green if active:
   

Setup Trading212 Connection

Trading212 provides an API which lets users connect to their own data for personal use. Connection requires obtaining an API Key.

1. Generate an API key. This can be found in your Trading212 account, in both the mobile and web console:
   • Settings>API>Generate API Key.
2. Once you’ve obtained an API key from the Trading212 website, navigate to ‘Finance Tools’>’Setup Trading212’ in the Google Sheet. Enter the API key when prompted:

Notes

Monzo Spending

Monzo spend categories are condensed in the following way:

Monzo Categories Key:
New Category	Monzo Category
excluded	Transfers
	Income
	Savings
Entertainment	Eating Out
	Entertainment
	Shopping
	Finances (Mostly ATM)
	General
Subscriptions/Expenses	Expenses
Health/Wellbeing	Personal Care
Food	Groceries
Bills incl. Rent	Bills
Transport	Transport
Travel	Holidays
Other	Gifts
	Family

Trading212 Stocks

• When equities are pulled into the ‘Stocks’ sheet, each stock is matched to any already there, and is pasted directly under it. New stocks are pasted on the right hand side. This allows the sheet to automatically handle new and deleted stock positions.