Gather vs Spreadsheets: Which is best?
Gather is the best spreadsheet alternative in Australia for people who want their whole financial life to stay up to date, without maintaining it themselves.
Parth Gulati· Updated June 3, 2026
What is Gather?
Gather is the money app built for people who want financial clarity and progress, but without the admin.
It brings your entire financial life together, so you can understand what you own and owe, stay on top of your finances, and grow your wealth on the go.
What is a finance spreadsheet?
A personal finance spreadsheet uses Google Sheets or Excel to track your money.
Gather vs Spreadsheets Comparison
Gather is the best spreadsheet alternative in Australia for people who want their whole financial life to stay up to date, without maintaining it themselves. Here is how they compare.
Company
| HQ | Sydney, Australia | Varies |
|---|---|---|
| App Store Rating | 4.7 / 5 | Not applicable |
Wealth & Net Worth
| Assets, Liabilities & Net Wealth | Yes | Manual You maintain the spreadsheet |
|---|
Syncing
| Banks | Yes | No |
|---|---|---|
| Stock Brokers | Yes | No |
| Crypto Exchanges | Yes | No |
| On-Chain Crypto Wallets | Yes | No |
| Multi-Currency Accounts | Yes | No |
| Add Other Accounts Manually | Yes | Yes |
Property
| Automatic Property Value Estimates | Yes | No |
|---|---|---|
| Track Equity by Linking Loans & Offsets | Yes | Manual |
Investment Holdings & Performance
| Import Investment Holdings | Yes | No |
|---|---|---|
| Performance Analytics | Yes | Manual |
| ASX Market Data | Yes | Yes With formulas or add-ons |
| US Market Data | Yes | Yes With formulas or add-ons |
| Crypto Market Data | Yes | Yes With formulas or add-ons |
Bills & Spend Tracking
| Bill & Subscription Calendar | Yes | No |
|---|---|---|
| Search & Filter Transactions | Yes | Yes |
| Cashflow Analytics | Yes | No |
| Savings Rate | Yes | No |
| Budgeting | Yes | No |
| Rules | Yes | No |
| Export Transactions | Yes | Yes |
Tax & Support
| Tax Deduction Assistant | Yes | No |
|---|---|---|
| Deduction Automation Rules | Yes | No |
| Tax Deductible | Yes When used to manage tax records and income producing assets | No |
| Customer Support | In-app live chat with the founders | No |
Gather vs Spreadsheets: Which is Right for You?
Gather is built for people who want the clarity of a spreadsheet without maintaining one.
Spreadsheets are built for people who want total control and are happy to spend the time and effort to design, update, and fix their own system.
Choose a spreadsheet if you enjoy building formulas, customising every field, and manually keeping balances, property values, and market prices up to date.
Choose Gather if you want your financial life to update itself automatically. Banks, stock brokers and crypto exchanges sync in real time. Property values update automatically. Built-in tax tools help you find deductions you might otherwise miss.
You still get a clear view of your money, but without turning your finances into another admin project.
Plus, your Gather subscription may be tax deductible when used to manage tax admin or income producing investments.
Hear from Gatherers
"A breath of fresh air to traditional finance apps."
"Gather has completely changed how I look after my finances."
"I love the new direct syncing with Stake, Commsec & Betashares."
"The Rules feature is my favourite - it automagically sorts my transactions, saving me heaps of time, especially at tax time."
"Gather is exactly what I'd been looking for to track my investments - as well as my bank accounts and super."
"The whole app almost feels like something Apple would make. It's a pleasure to use."
Supported banks, brokers and exchanges
Search banks, super funds, share platforms, and crypto providers you can add to Gather. If it is not listed, you can still track it manually.
Betashares
Direct Integration
CBA
Open Banking
Coinbase
Direct Integration
CoinSpot
Direct Integration
CommSec
Direct Integration
ING Direct
Open Banking
Macquarie
Open Banking
NAB
Open Banking
Stake
Direct Integration
FAQs
Is Gather a good spreadsheet alternative?
Yes. Gather is built for people who want the clarity of a spreadsheet without maintaining account balances, property values, and market prices by hand.
Can I still add manual accounts in Gather?
Yes. Gather supports manual accounts alongside synced banks, stock brokers, crypto exchanges, and property values.
Which is more customisable, Gather or a spreadsheet?
A spreadsheet is more customisable. Gather is better if you want less maintenance and a clearer mobile experience.
About Parth
Parth Gulati is a founder and CEO of Gather. He has spent more than a decade building personal finance software.
Before Gather, he spent 7 years as a Product Leader at Finder. He led Finder to become Australia's first Open Banking-accredited comparison site, and took the Finder app from idea to launch.
His goal is simple: to make money more approachable and easier to understand, so people can make real financial progress.
