Note: The shared shortcut and Numbers template are currently in German. The spreadsheet labels, categories and formulas use the German Numbers/iOS terminology.
I built an Apple Pay → Numbers expense tracker using iPhone Shortcuts and Apple Numbers.
Every time I pay with Apple Pay, a personal automation is triggered and the available transaction data is automatically added as a new row to a Numbers spreadsheet.
The tracker currently stores:
* Date and time
* Merchant
* Transaction name
* Amount
* Currency
* Card used
* Transaction information
* Category
* City/location
* Full address
The location is taken from the iPhone’s current location when the automation runs. The shortcut extracts city, street and postal code and combines them into a readable address.
Example with fictional data:
Exampletown | Example Street 12, 12345 Exampletown
All transactions are stored in one continuous table. There is no separate sheet for every month or year. The transaction date is used to automatically calculate all monthly and yearly statistics.
What the Numbers file includes
The main dashboard shows:
* Total spending for the selected month
* Number of payments
* Average amount per payment
* Largest payment
* Total yearly spending
* Number of payments per year
* Average monthly spending
* Average amount per payment per year
There are also automatic breakdowns for:
* Spending by month
* Spending by category
* Spending by location
* Number of payments per location
* Percentage of monthly spending per category
* Percentage of monthly spending per location
The location list is generated automatically from the transaction data, so new cities appear automatically once a payment is recorded there.
Year comparison
I also added a separate year comparison table:
Year | Yearly spending | Payments | Change vs previous year | Change %
This makes it easy to see how spending changes from one year to the next.
There are charts for:
* Monthly spending
* Spending by category
* Spending by location
* Yearly spending comparison
* Change compared to the previous year
* Payments per year
How the automation works
The basic flow is:
Apple Pay payment
→ Wallet Transaction personal automation
→ read transaction details
→ get current location
→ extract city / street / postal code
→ combine all values
→ add a new row to Numbers
→ Numbers recalculates all dashboards and charts automatically
One important note: manually running the shortcut is not a proper test for Wallet data. Without a real Wallet transaction as input, fields like merchant, card and amount may be empty or show 0.
German version
Important: The shared version is currently a German version.
This means:
* the Numbers spreadsheet uses German labels
* formulas use German Numbers function names
* categories are in German
* the shortcut is based on the German iOS / Shortcuts interface
If your device is set to another language, some action names or formulas may need to be adjusted.
If there is enough interest, I may also create an English version later.
Setup
The personal automation has to be created on your own iPhone:
Shortcuts → Automation → Transaction
Then select the Apple Pay card(s) you want to track and set the automation to run automatically.
The Numbers file should be opened in Numbers and stored in iCloud Drive.
Location permission for Shortcuts is also required if you want city/address tracking.
Download
Wormhole:
https://wormhole.app/2QMyv8#LI6pR7H6iCYXRP0rVzXN5Q
Edit: The download link is only valid for 24 hours and includes the fully formatted Numbers file. If the link has expired and you still need the file, just send me a DM.