This was posted 1 year 8 months 27 days ago, and might be an out-dated deal.

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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 (6297 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

  • Deals For Days on 10/08/2023 - 13:10

    Is this very useful if you don’t own property or have credit card?

    Nice to have a figure of what your personal net worth is but I don’t quite see what this can do that is actually actionable for me. I have ETFs but idk what information would give me tangible benefits

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

      One of the best parts about the sheet is that it helps you see everything in one place. Then think about where you want to be in 5 years, set a target, and this sheet is built to keep you accountable to get there.

      Also having numbers in front of you is great for the ‘gamification’ of your finances. It is very rewarding to see your finances grow over time and be rewarded by having everything in green when you do well. Not to mention seeing how far you’ve come as time goes on.

      That is probably simplifying it, but you don’t have to have a lot of assets for this to be worthwhile. Even if you hold only cash, as long as you are looking to save it will be useful.

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

    I don't think I can find the answer but does the sheet link to your bank account or does it require manual inputs to update your overall savings?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 13:16
      +2

      It requires manual inputs which for some is a security feature since it doesn’t integrate with your bank. I am looking at adding OpenBanking support, of which UP is already supported.

      That being said entry only takes about 30 or so seconds each month and is very quick.

  • metamorphosised on 10/08/2023 - 13:14

    Thanks OP - just purchased!

  • HCBargain on 10/08/2023 - 13:21

    Is it possible to use the sheet to track Super investments?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 13:26
      +2

      Yes, it has a super section where you can track multiple accounts.

      • User2049 on 10/08/2023 - 14:37

        Do you have any way to get live super unit prices?

        (Looking forward to when super joins CDR and a standardised API becomes available)

        • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 15:52

          Not at this stage unless your super fund uses unit prices listed on MorningStar. Some Supers do this but it depends on who you are with.

          • User2049 on 10/08/2023 - 16:01

            @CSPersonalFinance: I see, is there a list from MorningStar anywhere I had a quick google and couldn't see anything. Wondering about QSuper

            • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 17:37

              @User2049: Not as such, it would rely upon your super fund telling you the underlying funds. Unfortunately most don’t, so we’re waiting for CDR until then.

  • sav11 on 10/08/2023 - 13:41

    Been using this for a few months its great and is a bargain at full price even if you only use 20% of the features.

    Takes a while to set up initially then its a couple of minutes to update each month.

    If you are interested in monitoring/growing personal wealth you will get value out of this.

  • AdrianR on 10/08/2023 - 14:04

    Great sheet, I definitely recommend it and it is well worth the miniscule cost

  • [Deactivated] on 10/08/2023 - 14:28

    Downloaded! Thanks for the generous offer. I am a Ynab user and kinda was working on my own excel sheet to do the same functions instead of paying them $100 every month. However my spouse is now used to the app, it took me 3 years to convince her to use it.

  • MrrMagic on 10/08/2023 - 14:59
    -1

    Hi, I continously use credit card interest free offer as finance to allow me to offset my mortage further. Is there any kind of tool that allows me to keep track of this or even show me how much I might be saving, always a difficult discussion with the wife trying to explain my madness.

    • yulezy on 10/08/2023 - 16:13
      +1

      Assuming you are cycling across interest free periods on cards.

      But how do you extract the $ from the card onto the mortgage initially? Wouldn't that be a cash advance?

      • MrrMagic on 10/08/2023 - 22:30

        I have a large monthly spend so can easily max a interest free on balance transfers and use personal funds as offset

  • HarleyRider on 10/08/2023 - 15:24

    Any idea how many property it can track?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 15:50
      +1

      The sheet can track up to 8 properties

      • elektron on 10/08/2023 - 18:09

        Can you track expences for each property?

  • randomdude14 on 10/08/2023 - 15:37

    OP - thanks for the great work. Are we able to track investments through trust/company accounts? Which has a different tax rate?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 15:51

      Most definitely. The sheet is mostly pre-tax, so how you hold the investments shouldn’t matter.

  • jmeister on 10/08/2023 - 15:47

    The property tracker screenshot shows up to 4 properties, is that the limit or can it be more?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 15:50

      It supports up to 8, they are simply hidden by default to reduce visual clutter.

      • jmeister on 10/08/2023 - 16:24

        Do you plan on adding more to the limit? Might consider this spreadsheet if so as I'm already close to your limit and planning on getting more IPs lol

        • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 17:36
          +1

          Definitely can! Would 12 suffice?

  • Bdawg on 10/08/2023 - 16:05
    +6

    This better make me richer as in the short term it appears to have decreased my net wealth by $6.

  • Smol Cat on 10/08/2023 - 16:18

    I'm currently using YNAB online. How easy would it be for me to move across to this sheet or is it sort of impossible?

  • FezMonkey on 10/08/2023 - 16:38
    +1

    I would only feel secure asking this on OzB… can I tax deduct this $6?

    • jmeister on 10/08/2023 - 17:04

      I would say yes

      • MITM on 10/08/2023 - 21:34

        I wouldn’t say yes.

    • Bdawg on 11/08/2023 - 12:07
      +1

      If you use it to assist you in paying your tax I don't see why not, how is it any different from buying MYOB or paying an accountant?

  • slashor on 10/08/2023 - 16:54

    You got me. Looks like a bit of fun. I am a good saver but never bothered tracking things besides watching a number increase. Looks like I can many numbers increase now.

    • Bdawg on 11/08/2023 - 12:08
      +2

      Only an ozbargainer could describe a financial spreadsheet as 'a bit of fun'!

      • slashor on 11/08/2023 - 14:13

        Hah. Gotta have a spreadsheet for everything. :D

  • R1ngSt1nger on 10/08/2023 - 16:57

    Another YNAB user here. I’m after simple, envelope-style budgeting. Can this spreadsheet do that?

  • Peteozb on 10/08/2023 - 17:24
    -2

    There were comments in the page that data between April to July were wiped out overnight. I encountered the same issue. This has not been fixed yet. As data was lost I am reconsidering whether keep using this or not.

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 17:34
      +1

      Could you please explain what you are seeing? It shouldn’t be possible for the script to record to multiple months at one time.

      Did you press the record button for each of those months? Please feel free to open a thread on my subreddit and I can look into this for you more personally.

  • BluBoy on 10/08/2023 - 17:27

    Does this support multiple currencies? I spend and invest in multiple countries and need a tracker to monitor both.

    Is this a perosnal net wealth tracker, or can inuse it to track spending trends over time (assign expenses to categories and report on this).

    Cheers

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 10/08/2023 - 17:36

      Yes it does support multiple currencies and live conversion on all assets.

      This is much more high level than individual items and categories to allow for ease of entry each month. So it is more holistically looking at your wealth and assets.

  • knobbs on 10/08/2023 - 17:51

    Last time you posted you spoke of doing an update to automate the pulling of transactions from different banks. Any update on that?

  • dammit on 10/08/2023 - 17:55

    bought this last deal, still haven't used it (oops)…but have now resent invite and upgraded to 2.13 :)

    • Wiser on 10/08/2023 - 21:47

      I did not use it and cant find the emails

  • doctorwatson on 10/08/2023 - 19:42
    +1

    If we sell shares how do we enter the data to update stock held and calculate capital gain?

  • maatl on 10/08/2023 - 20:37

    Just bought. Thanks for sharing!

  • GregRust on 10/08/2023 - 21:01

    Thanks, will give it a try.

  • bargainhunter98 on 10/08/2023 - 21:10

    Assuming some questions might come up as I start using it, how do i get support if I have a question that’s not covered in FAQ?
    Keen to give it a try

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 11/08/2023 - 14:35

      Best way would be the active subreddit which has myself and a large number of users who can help with any questions you have.

      • bargainhunter98 on 11/08/2023 - 17:35

        Thanks. Purchased and started to populate information already! Finding it really interesting but do have some questions/ confusion that I’ll try to sort out from guide/FAQ. Or will get in contact.

      • bargainhunter98 on 17/08/2023 - 22:32

        Hi
        I’ve made a post in reddit 3 days ago, seeking some help. Would you be able to look into it please?

  • minno15 on 10/08/2023 - 21:13

    Just bought. Looking forward to checking it out! Sounds like a great product!

  • 8millpond on 10/08/2023 - 22:43

    bought. will think about it later how to use it

  • Tunclip on 11/08/2023 - 09:28

    I have paid for the spreadsheet. My paypal account has been charged. When do I receive it?

    • SBOB on 11/08/2023 - 10:41

      I got the email in my gmail about 2 mins after paypal was processed.

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 11/08/2023 - 14:36

      You should have received it within a couple of minutes. If you haven’t feel free to send me a PM and I’ll manually send it out to you.

  • Edgecrusher on 11/08/2023 - 10:15
    +3

    Excellent spreadsheet, I've been using the free version for 3 months, I'd butchered it heavily to do what I wanted it to achieve, however I've bought your paid version out of gratitude.

    I do have some minor comments:
    * Under asset allocation, is it possible in the future to include investment properties - or even better, the equity component of these?
    * Maybe credit cards could be further expanded out from a loan type setup.
    * Under cash could there be an option next to the account for it to designated as an offset, and then select a property? Would need to accommodate multiple offsets against a property, this could then flow into the mortgage calculation section.
    * In true ozbargain fashion - this is a dreaming request - tracking loyalty points, perhaps there could be a table with a value per point, with a drop down to select the loyalty program or an option to allocated a value per point, and note an expiry.

    • Bdawg on 11/08/2023 - 12:10

      Haha that last one is truly in ozbargain fashion.

  • Wiser on 11/08/2023 - 13:58

    Hello OP
    How do I track my last order and updates?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 11/08/2023 - 14:40

      Do you mean your sheet purchase or something else?

  • elektron on 11/08/2023 - 15:12

    Does anyone know if there are similar spreadsheets available for tax preparation, taxable experience tracking etc?

  • sund00bie on 11/08/2023 - 16:34

    Is there any way i can transfer ownership to another email?

    i signed up with my main gmail account but due to the permissions it ask for, id rather use my burner account for peace of mind

    Is this possible at all?

  • visconder on 11/08/2023 - 18:33

    Hi OP - for some reason I've been charged 4 times for my purchase this morning via paypal and was wondering if I could be refunded the extra 3? Is there somewhere I can contact you for more info? Thanks

  • Grange Hermit on 11/08/2023 - 21:45

    As a few others have said, this is a true bargain even at full price. Great product. Buy it and support the dev. He's put a lot of effort in to it, and deserves the kudos l.

  • jsb on 11/08/2023 - 23:35

    Thanks OP. I just reduced my net worth by $6.

  • panos on 13/08/2023 - 11:24

    Not an expert at this, but hey for 6 bucks I will give it a try, and see if I can work it out..

    Thanks for all the effort you have put into this…

    Looks confusing when full version first opened…..LOLZ

  • KingPhil on 13/08/2023 - 15:53

    Hi, thanks for this, I've paid for this and looks good.
    Question, I use Colonial First State and can't seem to add these managed funds. The AIPR code doesn't seem to be recognised in the sheet. Is there a way to get the pricing synced without manual entry? Thanks!

    https://www.colonialfirststate.com.au/Price_performance/perf…

  • chhola on 13/08/2023 - 23:03

    This is so good and useful! Thanks OP! Have you thought of turning it into a website?

  • booze101 on 15/08/2023 - 21:23

    Might have been answered before, but what level of confidentiality or security does the spreadsheet offer?
    Since it does live tracking etc., what is the risk of leaking confidential data?

  • Looking4Bargians on 17/08/2023 - 08:18

    Am I missing something, or is the Budget Sheet the same as Daily Expenses? I know it can't be linked to your Credit Card/Debit Card/Bank account, but in a way, if you have cash in the bank and use it for daily expenses, a manual entry can update all linked cells.

  • Focus8 on 19/08/2023 - 12:36

    I choose Beancount !

  • atlinus on 21/08/2023 - 14:09

    @CSPersonalFinance

    How do you add more row/cells on the spreadsheet?

    Example under Cash Tab -> Bank [it only have 10 rows]
    - i need more than rows 10 if i include for wife / kids brokers accont

    For stocks, there is an instruction to add moe rows but in other fields, can we also do copy and paste rows?

    Same with "Budget" sheet, I need to dd more rows to specify more items

  • aimon on 21/08/2023 - 18:49

    For anyone looking for good personal finance software check out Buxfer. I tried everything and this is the only one that got it right.

  • OM123 on 23/08/2023 - 15:04

    By mistake, I bought twice and sent you a DM. would you be able to refund one of them? I didnt realise I bought one in 2021 using the same email id.

  • TheFreaK on 30/08/2023 - 16:14

    Hi @CSPersonalFinance,
    A few quick questions:
    1. Would I need a new copy of this sheet for each month or each year or is it simply forever rolling?
    2. Who / where do I reach out for assistance if required?
    3. Can I track deductions e.g. Kilometres traveled or depreciable assets?
    Hoping to hear from you soon,
    Thanks

  • netbirds82 on 01/09/2023 - 14:53

    Has anyone bought this ran the netwealth sheet for the month of August and encountered errors?

  • xsw123 on 09/09/2023 - 13:32

    @CSPersonalFinance - I just missed this deal, possible to extend this deal? TIA.

  • atlinus on 22/09/2023 - 00:03

    Went up to $8

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