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Personal Finance Tracker Spread Sheet $6 (Was $8) @ CompiledSanity Personal Finance

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Personal Finance Tracker Spread Sheet $6 (Was $8) @ CompiledSanity Personal Finance
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AssociatedCSPersonalFinance on 10/08/2023 - 09:03 cspersonalfinance.io (6282 clicks)

Budgeting for the Commonwealth Games can be difficult – with a good spreadsheet you too can deliver a ($65b?) healthy household surplus.

This formula driven and automated net worth and savings tool has been really popular on OzBargain and reddit, and hopefully you'll enjoy it too! The sheet is made to help track monthly finances and provides a bird's eye view of your financial position each month. For me, I saw the light on how much I was spending on PWC tax advice and not enough on watertight confidentiality agreements.

Changes since the last deal – many bug fixes per community requests, improved connectivity with MorningStar and more to come!

——
FAQ #1: Why should I pay money for this?
The sheet is heavily automated, has live pricing and is a one-off payment rather than a subscription. If you're really interested, feel free to join the subreddit where I take future feature suggestions (and have for the past two years) and other users can help you debug and get set up.

FAQ #2: what permissions do I need to give and what information will you get off me?
All information is fully self-contained within and never leaves the sheet. There are 2 versions of the sheet:
- FULL: Sheet contains the full suite of automated features but requires some more expansive permissions as a result.
- SLIM: Does not support email updates, calendar reminders or the migration feature but has more self-contained permissions for those privacy conscious.

Further FAQs can be found here
——

Wishing you all a happy tax refund!

Financial Budgeting Financial Plan Spreadsheet Templates

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CompiledSanity Personal Finance Templates
CompiledSanity Personal Finance Templates

closed Comments

  • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 09:04
    +5

    What does your spreadsheet actually do / what does it do better than free alternatives?


    Just answering to help with a question from last time.

    • Private financial solution compared to other cloud platforms
    • Live ETF, stock, crypto & managed fund prices & tracking
    • Property value & performance tracking dashboard
    • Loan, debt, mortgage & credit-card tracking and metrics
    • Monthly net worth & savings email updates
    • Included budgeting system
    • Automatic FIFO capital gains calculations for sold assets
  • recession1 on 10/08/2023 - 09:06
    +6

    This is a bargain even if you pay the full $8.

    • ol mate on 10/08/2023 - 09:11

      ^^ This woman/man speaks the truth.

  • tabboo on 10/08/2023 - 09:07
    +5

    As someone with a very small amount of cash and investments under 1k, is this worth buying?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 09:09
      +8

      Everyone has to start from somewhere! It doesn’t matter how much you have in comparison, just that you’re progressing against where you were previously (life’s ups and downs obviously changing that).

    • Mokr on 10/08/2023 - 09:21
      +2

      Look up YouTube tutorials

  • impoze on 10/08/2023 - 09:11
    +1

    Can this also track historical prices for Crypto to calculate FIFO and trades?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 09:17

      Yes it can give you a FIFO estimate on Crypto CGT trades, although it comes with a disclaimer that it’s just an estimate.

      If your question is will it lookup historical prices, not as of yet but I’m considering it in an update (depending on the ticker).

      • a1234my on 22/08/2023 - 13:34

        assuming that only crypto, not shares ( asx, lse, etc.. )

    • frewer on 10/08/2023 - 17:03

      Why not using trading view ?

  • Zippy7 on 10/08/2023 - 09:15
    +4

    Hey OP - can you confirm if this is true live pricing? Or is it the delayed free pricing (ie 20mins delayed on ASX)

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 09:16
      +21

      It’s 20 minute delayed pricing as live pricing requires paid integration with the ASX (hard to do on $6!)

    • capslock janitor on 10/08/2023 - 12:11
      +2

      how much live pricing cost ?

      • boretentsu on 10/08/2023 - 12:31
        +1

        If you need live pricing maybe an off line spreadsheet is not for you

        • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 13:10
          +1

          This is actually an online spreadsheet! And therefore has ASX, Crypto and Managed Fund live prices, albeit with a 20 minute delay.

    • samyall on 10/08/2023 - 13:25
      +4

      For the intended use of this spreadsheet you wouldn't need live pricing. This is about long term investment and wealth tracking not day trading.

  • dasher86 on 10/08/2023 - 09:17
    +3

    Any youtube instructional?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 10:09
      +4

      Coming soon, I was flat out releasing v2.13 and will work on it next.

      I do have an in-depth guide you can use to get started if you are looking for further explanations of pages.

  • SBOB on 10/08/2023 - 09:18
    +3

    Can this sheet handle importing things like Vanguard managed fund info, as opposed to just exchange fund listed items?

    Does this have some simple or guided way of handling end of year AMIT cost base adjustments?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 09:58
      +1

      Yes it can do managed funds, as long as it’s listed on either MorningStar, Yahoo Finance or FT.com which should cover all Vanguard funds.

      The sheet doesn’t include AMIT costs, mainly to keep the sheet from becoming overly complex and as it’s not designed to be a comprehensive tax tool.

      • ozbargainy on 10/08/2023 - 14:23
        +1

        Thanks ordered but the spreadsheet doesn’t seem to be tracking VDHG, VAS or VDBA managed fund prices correctly for some reason (probably there’s more). The sheet displays 0 as the “live price”.

        The fund ID are VAN0002AU, VAN0015AU and VAN0108AU

        🙏

  • gedge10 on 10/08/2023 - 09:22
    +3

    Just my luck, paid the full $8 at 8:11pm last night! Definitely worth it regardless for the amount of effort that’s gone into it

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 10:09
      +17

      Shoot me a PM and I’ll be happy to sort you out :-)

  • richieisnow on 10/08/2023 - 09:26
    +2

    Would this help with tracking investment property expenses and / or business expenses ?

    • BanannaMan on 10/08/2023 - 11:18

      Looks like they track Property Value & Performance Tracking Dashboard and for expences in the monthly budget
      I take you were looking to take the investment separately? Probably create 2 spreadsheets, 1 for personal and 1 for your property to manage it separately?

  • bemybubble on 10/08/2023 - 09:26
    +3

    Silly question (i hope) but can you save this to your desktop and operate that way or does it have to run through google drive?

    • Heaps for Cheaps on 10/08/2023 - 09:31
      +6

      "Can I use the Sheet with Excel, Offline or Libre Office?
      Unfortunately no, as the Sheet is heavily reliant on Google Sheet functions for live pricing, custom Google formulas and most importantly the behind the scenes scripts written in Google Apps Scripts. You may download the Sheet and try importing into Excel, but you will find that significant elements of the Sheet will not work and it is therefore heavily not recommended."

  • 9erence on 10/08/2023 - 09:33
    +1

    How data can be entered into the Personal Finance Tracker Spreadsheet? Is it possible to import from PDF/CSV files if I have multiple accounts?
    Will the PFTSS be able to classify expenses and income?
    Do I have to manually enter everything into PFTSS.
    thanks

  • OZBholic on 10/08/2023 - 09:36
    +1

    I did find some small bugs, but for $6-$8 this is absolutely worth it.. Well done OP

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 10:10
      +1

      If you let me know about these bugs in my subreddit I’ll be sure to take a look and patch them in the next v2.14 release.

  • xNik on 10/08/2023 - 09:37
    +5

    If you had an excel version, I would get this. I have made my own limited version in excel by getting inspiration through yours but would prefer your version if you had an excel version. I rather keep my financial stuff offline on excel.

    • BanannaMan on 10/08/2023 - 11:19
      +2

      Oh I didnt even realise this was google sheets, this is even better for me since I need to share with the wife
      Literally every week she asks me whats coming up..

      • capslock janitor on 10/08/2023 - 12:15
        +1

        doesnt excel have collaborative editing/viewing?

        • BanannaMan on 10/08/2023 - 16:02

          Im not using excel, using a budgeting app..

  • ingster on 10/08/2023 - 09:40

    Actually have been thinking about something like this so good timing!

  • ayaka on 10/08/2023 - 09:42
    +3

    I still don't know how to operate the sheet properly, personally (been using it for a year or so). I still use it for basic functions, though I don't use 90% of the functionality. However it is a great sheet, there has obviously been a massive amount of work put into it. I would suggest some tutorials of how to use it. Thanks OP

  • DanTheMn on 10/08/2023 - 09:46
    +1

    Thanks OP, hope I can save more to spend more on deals :)

  • WhatsTheBigDeal on 10/08/2023 - 09:48

    Was looking for one of these! Purchased, thanks for the efforts on its continual improvements.

  • theguyrules on 10/08/2023 - 09:49

    I never got this to work for me, personally

  • deoxys14 on 10/08/2023 - 09:52

    got it , thx op

  • apprentice on 10/08/2023 - 10:12
    +2

    I never used a budget app. I have a few questions if anyone could answer.
    I use credit card to pay for almost everything. Do I need to manually enter every single transaction in the app or I give permission to track them from my credit card. If I choose to give permission, how do I know it's safe? What ways I can verify the safety and security as a non tech-savvy person?

    • capslock janitor on 10/08/2023 - 12:18

      I use basic Frollo PFM and permit accounts via govt CDR openbanking option

    • yulezy on 10/08/2023 - 16:10

      Good question. Also interested in the answer, OP.

  • JPerez on 10/08/2023 - 10:13
    +1

    What the security like to protect data?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 10:16
      +4

      Good question! I’ve tried to be very conscious of the privacy side, and I would say this sheet is unique since it’s self-hosted by you with all the inherited security of Google. I also have this the FAQ:

      The Sheet has been designed to be completely self-contained. When you download the Sheet and make a copy, it's now it's own independent copy hosted by you.

      You can review all the formulas to see how that works, but it's strictly a one way fetch process and if you go Tools -> Script Editor in the Document you can review all the code yourself to make sure it checks out. Furthermore, no personally identifying information or sensitive information such as passwords/usernames are needed nor requested. The only inputs into this Sheet are holdings and amounts, the minimum information needed to determine your net worth & associated performance.

      • JPerez on 10/08/2023 - 10:30

        Cheers for the prompt response!

  • crikey on 10/08/2023 - 10:16

    Thanks OP. I pay hundreds per annum for Sharesight. Very happy to give this a go for the price of a large coffee.

    • frowny on 10/08/2023 - 10:48
      +8

      Feels bad that large coffees have hit $6…

    • countmein on 10/08/2023 - 15:48

      Does the dividend tracking feature for stocks only or for ETFs (or called distribution) as well?

      Reason is Sharesight update their tracking once the fund companies (Blackrock/vanguard) provide the tax statement in Aug/Sept and usually have some differences.

  • colt75 on 10/08/2023 - 10:42

    was looking at getting one recently, just purchased. thanks

  • Looking4Bargians on 10/08/2023 - 10:48
    +7

    Don't know if I need it, but I purchased it. Similar to my other purchases via OzB.

  • MinimalistWallets on 10/08/2023 - 10:49

    Any hurdles using this as a couple (i.e. track the combined net worth of our family?)

    • MinimalistWallets on 10/08/2023 - 10:52
      +1

      Found the answer in your FAQ

      How do I track with my partner?
      For couples it is recommended that you combine finances and incomes as expenses will likely be incurred as a household and not for individuals and therefore Net Worth changes need to be considered as a whole.

      A key point when combining finances is the Tax rate input in the Sheet Options tab. For a couple in different tax brackets a weighted averaged will needs to be used. Please use the Couples Tax Calculator (bottom left corner of SheetOptions tab in v2) to find your averaged tax rate.

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 10:52

      Will be totally fine. You’ll just have to set the sheets figures to the sum of both you and your partners figures. Aside from that everything should work fine.

  • Sneeze on 10/08/2023 - 10:56
    +1

    Does this cater for couples. As in ability to add multiple incomes, split out budget items to make them easier to update/manage, etc. Or is it more setup for a single person or a "household" where I have to combine all the relevant figures prior to entry?

  • Darkheartz on 10/08/2023 - 10:59

    Bought, thanks OP

  • impoze on 10/08/2023 - 11:20

    Thanks OP, bought

  • lode on 10/08/2023 - 11:40
    +1

    is this a one-time payment with life-time updates? or is it only updates until the next major release?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 11:45
      +7

      Lifetime updates. I’ve released close to 14 versions now all included under the original cost.

      • lode on 10/08/2023 - 11:55
        +2

        That's cool. Rare to find software/apps that offer one-time payments. Usually they come as subscription or paid upgrades to keep it sustainable. Thanks!

        • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 13:21
          +7

          I think we all have subscription fatigue, so I’m definitely not a fan of that approach. Thankfully I still receive support for the sheet and that is keeping things going :-)

          I’m also exploring a dedicated platform for this product with more features, but that is a seperate product vision.

  • Wilson Heroes HL on 10/08/2023 - 11:46

    This is great. Thanks OP

  • HAU2BUY on 10/08/2023 - 12:00
    +2

    How does this compare to something like wemoney?

  • deepakkumar1983 on 10/08/2023 - 12:08

    Looks a great idea in theory. Bought to checkout!

  • creeps_bay on 10/08/2023 - 12:13

    Bought 1.

  • axlfan on 10/08/2023 - 12:18

    Is the sheet hosted on the cloud? Or is it a downloadable app?

  • bargain huntress on 10/08/2023 - 12:23

    Can you please keep the offer for at least a few days? (I cant afford it until friday. (Thats also a clue how badly i need it!))

    • RIPwallet on 10/08/2023 - 12:48
      +12

      Hey mate, if you don't mind I would like to help you pay for this. PM me your beemit or bank details. Would hate for you to miss out!

      • bargain huntress on 10/08/2023 - 14:28
        -7

        No thank you

        • Filbert on 10/08/2023 - 18:16
          -2

          Not sure why you got downvoted. You want to stand on your own feet and not take what could be percieved as charity or 'paying it forward'. Your decision.

          • Nom on 10/08/2023 - 19:59
            +2

            @Filbert: I think the downvotes are because trying to avoid "charity" when you're down to your last $6 is basically bonkers.

            • bargain huntress on 11/08/2023 - 10:54
              +1

              @Nom: I mean yes it is, but also i am used to living this way; it is a regular occurance, so it's not that big a deal to me. I am trying hard to change things.

            • Filbert on 21/08/2023 - 07:24

              @Nom: In this society I agree, but in other 3rd world countries they will actually give their last $6 away to someone so that they can eat. To some taking charity means, they believe, they have completely failed. It’s a mindset.
              Bit like ‘I don’t agree with your comment/opinion but ok/whatever’ versus ‘I don’t agree with your comment and it doesn’t align with mine, so you are wrong, here, have a neg you jerk’

          • bargain huntress on 11/08/2023 - 10:52
            +1

            @Filbert: That too. And i was really confused if the offer was genuine. Thanks for understanding.

      • bargain huntress on 11/08/2023 - 10:51
        +3

        Sorry RIPwallet i hope my earlier reply did not seem rude. Im not the best at working out peoples i intentions, and i am used to people here making jokes, including about scamming people, and i thought that might be what you meant. Thank you again for your offer to help me. I managed to get the deal today myself.

        • RIPwallet on 11/08/2023 - 11:04
          +3

          No that's completely fine. I didn't take it that way and I wasn't one of the people who negged you. Offer was genuine but I'm glad you managed to get it today. Wish you all the best!

  • bargain huntress on 10/08/2023 - 12:23
    +1

    I have OCD. Will i like this?

    • ntt on 10/08/2023 - 12:35
      +1

      why do you like OCD, asking for a friend?

    • SBOB on 10/08/2023 - 12:46
      +8

      Is OCD an ASX or NYSE listing?

    • HowMuch4Cash on 10/08/2023 - 13:06
      +3

      100%, this sheet is the best thing for those who love to obsess over every little part of their finances, watching the growth overtime is so rewarding.

      • bargain huntress on 10/08/2023 - 14:27
        +2

        Thank you

        How come you deleted your reply OP?

  • Ruckmauler on 10/08/2023 - 12:58
    +2

    Genuine question (I know it's not an AMA but I'm just interested) - do you earn enough through this to support yourself or is this a 'side hustle'? BTW I just purchased - excellent work!

    • Mokr on 10/08/2023 - 16:09
      +1

      It's a side hustle. Or else you would see other companies do this way too much work.

      2.7k clicks on ozbargain.

      Ten percent conversion.

      270 X 8.

  • Windows98 on 10/08/2023 - 13:02

    I love excel and you've pot a lot of effort into this. So bought it to check out your formulas.

    • bcYield on 10/08/2023 - 22:53

      Based on comments above, it's Google spreadsheet?

  • ChaseTheSun on 10/08/2023 - 13:03

    Can we pay in USD? Would be $3.50 in USD which would be less than $6 AUD?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 13:15

      The $3.50 is just an estimate for PayPal, so paying in AUD is probably cheapest as it’s the item currency.

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