A Shared Expense Tracker in Google Sheets That Pulls from Your Bank, Not from Memory
Stop guessing who covered what. See every transaction from both accounts in one place, updated every day.
ZentroData syncs both people’s bank accounts into a shared Google Sheet automatically. No manual entry. No Venmo notes. No end-of-month arguments.
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The Real Problem Is Not Who Paid. It Is That Nobody Can Prove It.
You are not bad at managing money together. You are bad at tracking it through four different bank accounts and three different apps that do not talk to each other.
Splitwise works until someone forgets to log a payment. Venmo notes cover transfers, but not the bills that autopay straight from the bank. And nothing captures that moment when one person quietly covered the electric bill, the internet, and two streaming subscriptions for three consecutive months while the other person assumed it was being split somehow.
By the time you try to reconcile, you are scrolling through individual bank histories trying to reconstruct who paid what. It takes an hour, someone feels accused, and neither of you has the full picture.
- Direct-debit bills (rent, utilities, insurance) never appear in manual apps unless someone adds them by hand
- Recurring shared subscriptions fall through the cracks because they do not look like a transaction you would think to log
- Without a single source of truth, every money conversation starts from scratch
- One person tends to cover more over time, but neither can prove it without doing real work
The argument is not really about the money. It is about not having a clear, shared picture. That is what ZentroData fixes.
How ZentroData Works
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Each person signs in with Google Both of you sign in using existing Google accounts. No passwords to create, no configuration forms. The whole setup takes under a minute.
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Each person links their bank accounts Connect checking accounts, savings, and credit cards from over 10,000 institutions including Chase, Bank of America, Wells Fargo, Capital One, TD Bank, and more. Connections are read-only. ZentroData cannot move money, initiate transfers, or make any changes to your accounts.
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Everything lands in one shared Google Sheet, updated daily Every transaction from both people’s accounts appears as a row in your sheet, organized by date, amount, merchant, category, bank, and account holder. You see exactly who paid what, from which account, without asking.
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Built for Households That Want Honest Numbers, Not Another Manual App
Every transaction is tagged to the account it came from. Add a simple formula and you have a live running total of each person’s contribution for any time period.
See your combined grocery spend, utilities, dining, and transport in one view. Know where the household money actually goes, not where you think it goes.
ZentroData flags recurring charges automatically: rent, streaming bundles, gym memberships, utilities, software subscriptions. Shared bills do not hide in the transaction list.
Transactions pull in from every linked account every single day. By the time you check in the morning, last night’s dinner and this morning’s coffee are already there.
The data lands in a Google Sheet you own. Add a running balance column, build a 50/50 split formula, or create a pivot table by category. Structure the fairness calculation however your arrangement works.
ZentroData never sees your bank credentials and cannot initiate any transactions. All connections use AES-256 encryption, Google OAuth, and HTTPS throughout. 4.9 stars across 111 reviews.
What ZentroData Users Say
“My partner and I had the same argument every single month about who covered the electric bill and the streaming subscriptions. ZentroData ended it. We linked both accounts, shared the sheet, and now we just open it. No more ‘I thought you paid that.'”
Sarah K. — March 2026“Three roommates, one apartment, four shared bills and a grocery rotation. Splitwise was a nightmare because somebody always forgot to log something. Now everything autopulls from our accounts. The math does itself and nobody has to chase anyone down.”
Marcus T. — February 2026“My husband travels for work and misses a lot of the household spending. We used to do this big stressful reconciliation at the end of the month. Now he opens the sheet from wherever he is and can see exactly what has happened. That alone made the subscription worth it.”
Danielle R. — January 2026“I had no idea how many shared subscriptions were hitting just my card. ZentroData flagged six recurring charges my roommate and I had never agreed on a split for. We sorted it out in one conversation and now the sheet shows a clean balance between us every month.”
Jordan L. — December 2025Simple, Honest Pricing
One plan. Both accounts covered. Cancel any time.
- Connect multiple bank accounts
- Daily automatic transaction sync
- Automatic subscription detection
- Works with 10,000+ banks and institutions
- Unlimited Google Sheets sync destinations
- Your data lives in your Google Drive
No charge until the trial ends. Cancel any time.
How Do Couples and Roommates Track Shared Expenses Without Manual Entry?
Couples and roommates can track shared expenses without manual entry by connecting both individuals’ bank accounts to a service that syncs transactions directly into a shared Google Sheet. When transactions pull automatically from each person’s accounts every day, the sheet shows who paid what, in which spending category, and on which date, with no logging required from either person. ZentroData works this way: it links multiple bank accounts simultaneously and writes each transaction as a labeled row, tagged to the account it came from, so the contribution breakdown is always current without anyone needing to remember to record anything.
Most manual approaches fail at shared expense tracking for the same reason: they require the paying person to log the transaction after the fact. Direct-debit bills like rent, utilities, and subscription charges never appear in tools like Splitwise or Venmo unless someone adds them by hand. A bank-synced approach captures everything automatically, including recurring charges that the subscription detector flags, so no shared bill goes untracked. Once both accounts are pulling into one sheet, you can add a simple formula to calculate each person’s running total and the balance between them.
The sheet itself stays in your Google Drive. ZentroData writes to it but does not own it. You can add columns, build split formulas, create pivot tables by category, or set up a running balance that updates daily. The structure of how you calculate fairness is yours to define. The data to make that calculation is what ZentroData supplies automatically.
Does This Work for Roommates, Not Just Couples?
ZentroData works for any group of people sharing household expenses, including roommates. Each person connects their own bank accounts independently, and all transaction data flows into a single shared Google Sheet that everyone can see. Roommates can view the household’s spending by category across all accounts, see which person covered which bills, and identify recurring shared charges without relying on anyone to remember to log a payment. There is no limit on the number of accounts that can be connected and synced into one sheet.
What Recurring Bills Does ZentroData Detect Automatically?
ZentroData identifies recurring charges using two methods. The first is a curated list of over 80 known subscription services, including streaming platforms (Netflix, Hulu, Spotify, Disney+), software subscriptions, fitness memberships, and utility providers. The second is a pattern-detection system that flags any merchant that charges a consistent amount at a regular interval, even if it is not on the predefined list. This means shared bills like the monthly internet plan, the electricity autopayment, and any streaming bundle one person is covering for the household all get flagged automatically, giving you a clear picture of which recurring costs are hitting each account.
Know Who Paid What, Starting Tonight
Connect both accounts once. ZentroData handles the rest. The full picture is in your sheet by morning, every morning.
Start My Free TrialWe never see your bank credentials · Read-only connections · Your data lives in your Google Drive