Budgets Track. Plans Win.
Let’s be honest: budgeting feels like adult homework. You track every latte, cringe at the total, and wonder where your money went—again.
But what if you flipped the script?
A financial planning spreadsheet doesn’t just track your spending. It helps you build a roadmap to your goals—with built-in guidance along the way.
That’s where ProsperBot comes in: an AI financial planner that lives inside your Google Sheet.
Curious how AI can help you? Explore ProsperBot’s home page to get started.Why Budgeting Alone Isn’t Enough
Budgeting tells you where your money went.
Planning tells you where your money’s going—and how to make it happen.
| Budgeting | Planning |
|---|---|
| Tracks past spending | Focuses on future goals |
| Feels restrictive | Feels empowering |
| Reactive | Proactive |
| Manual work | Smart automation |
| Shame-driven | Goal-driven |
A spreadsheet that only tracks expenses is like a GPS that tells you where you used to be.
You deserve a map to where you’re headed.
What Is a Financial Planning Spreadsheet?
A financial planning spreadsheet is more than rows and formulas. It’s a dynamic tool to:
- Visualize your income, expenses, and goals
- Project future savings and investments
- Track progress toward financial milestones
- Adjust in real-time as your life changes
Traditionally, these spreadsheets were built manually or downloaded as templates from platforms like SmartSheet or NerdWallet. Helpful, yes—but static.
ProsperBot upgrades that model by embedding an AI planner directly into your Sheet. It’s like having a financial coach right in the cells.
Why Smart > Static: Meet ProsperBot
Most spreadsheets require you to do all the thinking.
ProsperBot thinks with you.
- You copy a pre-built Google Sheets template
- Link your bank accounts via Plaid (secure, trusted)
- ProsperBot reads the data in your Sheet
- Ask it anything:
- “Can I afford a $500 trip next month?”
- “How much should I save weekly to hit my $10K goal?”
- “What’s my biggest overspending category?”
What You Can Do With a Smart Financial Planning Spreadsheet
With ProsperBot, your spreadsheet becomes a fully interactive planner:
- Set & Track Financial Goals
From emergency funds to weddings to early retirement—your goals drive the plan, not the other way around. - Visualize Spending & Income
Automated charts show where your money’s flowing—without the guilt trip. - Get Real-Time Recommendations
ProsperBot gives nudges like:- “You’re pacing over budget in restaurants this month”
- “You’re ahead on your travel savings goal—nice job!”
- Build Wealth on Your Timeline
With automated guidance, you stay focused and flexible.
How We Compare to Other Financial Planning Tools
| Feature | ProsperBot | Smartsheet | NerdWallet | Financial Aha |
|---|---|---|---|---|
| Works inside Google Sheets | ✅ | ✅ | ❌ | ❌ |
| AI-powered recommendations | ✅ | ❌ | ❌ | ❌ |
| Real-time sync via Plaid | ✅ | ❌ | ❌ | ❌ |
| Personalized planning | ✅ | ❌ | Partial | ❌ |
| User-owned data | ✅ | ❌ | ❌ | ❌ |
How to Set Up Your AI Financial Planning Spreadsheet
- Copy the ProsperBot Template
- Connect your bank accounts securely via Plaid
- Start chatting with your in-Sheet financial planner
- Get smarter with your money—without more work
No more bouncing between apps, trackers, and advisors. It’s all right there.
Final Thoughts: It’s Time to Ditch the Budget Guilt
You don’t need another spreadsheet telling you what not to do.
You need a plan that helps you:
- Save for what matters
- Spend with purpose
- Build wealth on your terms