MeJu or a spreadsheet: when to switch
Updated on 9 October 2026
Where the spreadsheet still wins
- Cost: it is free, and you already know how to use it.
- Total freedom: every column, formula and chart the way you like.
- Simple tracking: with few transactions a month, it does the job.
- Privacy: the file stays with you.
Where the spreadsheet starts to weigh
- Typing: every expense becomes a row you write or paste.
- Upkeep: broken formulas, forgotten tabs and inconsistent categories.
- Two currencies: real and euro in one table is an easy way to get the math wrong.
- Two people: each notes things in a different place and nobody has the real number.
What MeJu changes
Instead of typing, you import the bank statement or card bill as a PDF or CSV. MeJu reads it, organizes it, skips duplicates and discards the original file. Categories learn from what you mark and apply to your history.
A space supports real and euro, each with its own balance, and holds up to two people with their own access. There is also the WhatsApp Assistant, included in the subscription, to log an expense with a sentence. Data is stored in the European Union (Ireland).
When to keep the spreadsheet
- You like building your own tracking and do not mind typing.
- You need a very specific model that an app does not offer.
- You want an automatic bank connection: MeJu does not offer that, import is by file.
- The monthly cost weighs more than the time you spend today.
How to switch without losing history
Start with the current month: import the bank statement and check that the reading matches your total. If it does, import earlier months one at a time, or keep the old spreadsheet as an archive.
You do not need to migrate everything at once. The 14-day trial is enough time to test with one real month.
| Criterion | Spreadsheet | MeJu |
|---|---|---|
| Data entry | Type or copy and paste | Import PDF or CSV statements |
| Two currencies | You build and maintain it | Real and euro, each with its own balance |
| Couples | Shared file | A space for up to two people |
| Categories | Manual | Learn from what you mark |
| Bank connection | No | No, import by file |
| Cost | Free | 14 days free, then € 8,99 per month |
Frequently asked questions
Is it worth replacing a spreadsheet with a finance app?
It is when typing has become a burden, when you have two currencies or two people, or when you want to import statements instead of copying. If a simple spreadsheet works, you can stay with it.
What is MeJu's advantage over a spreadsheet?
Importing statements as PDF or CSV without typing, keeping real and euro in separate balances, and sharing a space with another person. The spreadsheet wins on cost and freedom.
Can I bring my spreadsheet into MeJu?
We do not import your own spreadsheet. The path is to import the bank statement as a PDF or CSV, which rebuilds your history without typing.
Does MeJu replace a budget spreadsheet?
For tracking the month, categories and balance, yes. If you use a spreadsheet for a very specific model, you may prefer to keep it.
Is MeJu free?
There are 14 days free to try it, and nothing is charged during the trial. A card is requested upfront and you cancel in one click.
Does MeJu connect directly to my bank?
No. You export the statement from your bank and import the file. MeJu reads it and discards the original.
Try MeJu
Try it free. After the trial, the subscription costs € 8,99 per month.
Start free trial