Most people we talk to don't have a "spreadsheet problem." They have a *blank-page* problem. They know what they need to track — losses from a scam, a monthly budget, a 12-month cashflow — but the moment they open Excel, the friction kicks in and the file never gets built.
The GACS Excel AI Builder exists to remove that friction. You describe the spreadsheet in plain English. It returns a working .xlsx — with real formulas, not hardcoded numbers — that opens in Microsoft Excel, Google Sheets, Apple Numbers, and LibreOffice. Free. No signup. 8 generations per hour per IP.
What "real formulas" actually means
Most AI spreadsheet tools hand you a CSV of fake totals. Add a row and nothing recalculates. The GACS builder writes A1-style formulas: =SUM(B2:B25), =SUMIF(C:C,"BSC",D:D), =IF(F2>1000,"HIGH","OK"), running balances with cross-sheet references. Add a row, delete a row, change a number — Excel does the math.
Freeze panes are applied to header rows. Column widths are sized to the content. Sheet names are sanitized so the file opens cleanly everywhere.
Six templates that are ready to use
We pre-loaded the page with six templates that map to the work our users actually do:
### 1. Fraud Loss Tracker
For victims and their families. Columns: date, scammer handle, platform, scam type, amount lost, recovery status, reported-to agency, notes. A Summary sheet uses SUMIF to break losses down by platform — the single most useful number when you're filing with the FBI's IC3 unit or your national fraud line.
### 2. Crypto Tax Worksheet
Transactions sheet with date, asset, action, quantity, price, total, fee, cost basis, proceeds, and a Gain/Loss formula. Summary sheet with total proceeds, total cost basis, net gain/loss, and a short-term vs long-term split. Hand it to your accountant. Saves you the $400 the crypto-tax SaaS would have charged.
### 3. Scam Victim Recovery Ledger
Fifteen pre-populated recovery steps — bank dispute, card chargeback, IC3 report, FTC report, local police, credit freeze at all three bureaus, identity-theft affidavit. The single reason most recoveries fail is disorganization: the victim loses track of who they called when. This sheet fixes that.
### 4. Monthly Budget
Standard categories (Housing, Food, Transport, Utilities, Insurance, Savings, Debt, Entertainment, Other). Budgeted vs Actual vs Variance, with Variance computed by formula. Income sheet with sources and dates.
### 5. 12-Month Cashflow Projection
For small businesses. Rows for opening cash, three revenue lines, COGS, gross profit (formula), operating expenses (rent, payroll, marketing, software, other), total OpEx (SUM), net cashflow (formula), and closing cash that links forward into next month's opening. Columns Jan through Dec plus a Total column.
### 6. Suspicious Transaction Log
For fraud investigators and DIY OSINT analysts. Date, time, tx hash, from, to, amount, asset, network, risk score (1–10), red flags, source, action taken, status. The Summary sheet uses COUNTIF to flag every transaction with risk ≥ 7 and SUMIF to total the flagged amount.
How to write a good prompt
The model is a Gemini 2.5 Flash instance running through the Lovable AI Gateway. Two rules get good output:
- Name the columns you want. "A spreadsheet to track crypto" gets you a generic sheet. "A spreadsheet with columns Date, Wallet, Asset, Quantity, USD Price, Cost Basis, Proceeds, Gain/Loss (formula)" gets you exactly the sheet you described.
- Ask for the formulas you want. "Add a Summary sheet that uses SUMIF to total losses by platform" is unambiguous. "Make it nice" is not.
Privacy
Your prompt is sent to the AI for generation. The .xlsx file is built in your browser using the SheetJS library — it never touches our servers, and we never store the file. Close the tab and it's gone.
What's next
We're adding two more template categories: nonprofit grant trackers, and OSINT investigation timelines. If there's a fraud-adjacent spreadsheet you build every week, tell us and we'll add it to the template row.
The tool will always be free. Like every other GACS tool, the cost of running it is paid out of donations, not victims' pockets.