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

1470
Personal Finance Tracker Spread Sheet $6 (Was $8) @ CompiledSanity Personal Finance
Go to Deal
AssociatedCSPersonalFinance on 31/07/2025 - 09:06 cspersonalfinance.io (3936 clicks)
Last edited 31/07/2025 - 09:21

Recent Tarrifs rises may be impacting your Temu purchases, but this spreadsheet can help you budget for that next Aldi Special Buy.

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 example, I was able to see that if I had invested in NVIDIA in 2019 I wouldn't really need to track my investments anymore.

Changes since the last deal – new graph compression features, XIRR performance changes, improved historical price lookups and many other community suggested improvements.

Financial Budgeting Financial Plan Spreadsheet Templates

Related Stores

CompiledSanity Personal Finance Templates
CompiledSanity Personal Finance Templates

Comments

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 09:11
      +37

      Just a joke on the recent rate prediction saga. Removed to avoid any confusion or misunderstanding (not the intention).

      • Twilight1234 on 31/07/2025 - 09:30

        it would be at least according to the ASX and finance punters*

      • Brick Tamland on 31/07/2025 - 09:43
        +5

        Jokes are frowned upon here.

      • catbarf on 31/07/2025 - 09:48
        +2

        That's actually very funny

    • life is suffering on 31/07/2025 - 10:22

      ROYAL Botanical Agency

  • knobbs on 31/07/2025 - 09:09
    +3

    Does it use open banking to pull in all my transactions?
    I miss pocketbook

    • Lucille Bluth on 31/07/2025 - 09:11
      +10

      I came from Pocketbook so I know what you mean. I recommend Pocketsmith, it's great with all their APIs. It tracks my net worth and every transaction I have ever made for all my bank accounts.

      Yes there is an ongoing subscription but it's really worth it and not that much for what essentially helps you track your wealth. Black Friday they will have a 30% discount like they always do, in the meantime first month free, and then there are promo codes to get two months for 50% off, enough to get to Black Friday. Honestly it's the best thing I've ever done for my budget.

      Takes me no more than 2 minutes a week to check everything is categories correctly if the auto rules are incorrect. It's mostly on autopilot and quite accurate. In the background it syncs throughout the day for all my bank accounts, share portfolio, PPOR and Super. And they have an app rather than relying on a spreadsheet.

      Others swear by Frollo and YNAB but I'm less experienced with them. Check what works for you and which you prefer.

      • knobbs on 31/07/2025 - 09:20
        +1

        Yeah I used frollo in the past but it removed transactions from my history when/if the account was closed or lost login details. Plus not all banks were able to be added.
        I have heard pocketsmith is the do it all replacement but I decide subscriptions so want one off payments or free.
        Thanks for your input, might give frollo another look

      • etchebaster on 31/07/2025 - 13:19
        +1

        Aren’t you worried about the risk of your password being taken? The chance is probably tiny but just upload hard copy bank files to avoid the risk?

        My understanding is that no bank will indemnify you for any loss. And the super funds probably wouldnt either.

        • Lucille Bluth on 31/07/2025 - 14:06
          +7

          The APIs are created by the banks. It's an extension of open banking system and gives Pocketsmith only read access, nothing more. They aren't obtaining your records using your login details.

          There are no risks. There is no password sharing. It's government regulated. Encrypted data via APIs. Gives time limited access that needs to be renewed periodically. Liability protection - if something goes wrong due to the ADR’s mishandling of your data, you are protected under CDR rules. Check your banks PDS, they would mention/talk about this very thing.

          E.g.

          ANZ - https://www.anz.com.au/support/anz-apis/
          CBA - https://www.commbank.com.au/developer

          • etchebaster on 31/07/2025 - 14:12
            -2

            @Lucille Bluth: Is that in writing anywhere? I couldn’t find in the PDS for big 4 banks.

            • Lucille Bluth on 31/07/2025 - 14:12
              +4

              @etchebaster: I've linked two of the Big4. Call your bank so they can explain it all to you.

              More information https://www.cdr.gov.au/how-it-works

                • Lucille Bluth on 31/07/2025 - 14:17
                  +14

                  @etchebaster:

                  I called westpac and they don’t support it

                  I doubt you called them in the few minutes we have been exchanging replies.

                  And yes they do, I have a Westpac account for my SMSF, connected via API. My account even says all the APIs that are current and active in my Westpac account, including the one through Pocketsmith and my accountant, and I have the initial emails from Westpac that confirmed the API has been linked to my account and data is being shared with Pocketsmith and my SMSF accountant.

                  Anyway, you don't seem to want to learn about it, or believe me. It's not my responsibility to educate you, you seem to have made up your mind so don't use it if you don't want to.

                • mpadre on 31/07/2025 - 16:12
                  +2

                  @etchebaster: I worked on the APIs, it definitely supported.

          • justanick on 31/07/2025 - 22:36

            @Lucille Bluth: Hey @Lucille Bluth silly question.
            pocketsmith Is available in iOS as pocketsmith sidekick, am I correct?

            Once I download I can link my banks, afterpay account and it can tell me on a given month how much I received as salary and how much I spent on shopping etc?

            • Lucille Bluth on 31/07/2025 - 23:23

              @justanick: Yes it is Pocketsmith Sidekick.

              https://www.pocketsmith.com/mobile-app/

              And yes to all your other questions. Give the one month premium a try to set it all up, you'll probably sync it all up first and make some rules etc and recategorise stuff. And create your own categories if you are not happy with the existing ones. They support 2100 banks/credit cards etc so you shouldn't have any issues unless you have some random ass small bank that nobody knows.

              And they have Afterpay I just checked for you

        • mpadre on 31/07/2025 - 16:17
          +2

          All Australian banks are obligated to implement open banking APIs. There are heavy fines for not implementing and maintaining it to standards.
          The authentication and authorisation process is similar to how some websites allow google or Facebook login. The third party just cannot get your password. At the moment, it is all read only

          • aaronsd on 01/08/2025 - 10:33
            +1

            @mpadre: Love the discussion on this thread and it blows my mind how stubborn some people are too about being pointed in the direction of facts.

            Anyways, I've also got Westpac linked into my Pocketsmith and no dramas there, I can confirm that they 100% use open banking for normal cash / loan accounts.

            I only wish AMEX was forced into open banking API too, but because they don't do cash banking here they are exempt from it or something?! Not sure if any one of you know more about that.

            That's the only one I have linked to my Pocketsmith via oldschool login. It really sucks to be honest as it genuinely is less secure with AMEX and the bloody login times out too frequently for me and I have to go through the process of Authorising again…

      • Bozman on 01/08/2025 - 07:48

        Where do you get the 50% off for 2 months code? Interested in trying this, but with only 2 weeks free it’s not a lot of time to check it out.

        • Lucille Bluth on 01/08/2025 - 10:23

          Last month it was one month premium free trial. Is it now two weeks?

          Apply this promo code below, you need to select the monthly plan for it to apply. The code I got from here.

          50OFFPREMIUM-F4RG

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 09:15
      +4

      So this sheet is not a transaction tracker, but a general wealth tracker. It sits a level above transactions to make entry easier and less maintenance but still helps you track over time.

      You can track investment performance, cash growth, savings on loans/property. This sheet is a great way compliment to transaction tacking which doesn’t cover tracking wealth and progress.

  • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 09:09
    +8

    ——

    FAQ #1: Why should I pay money for this?
    The sheet is heavily automated, self-hosted, 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 and start to the new financial year!

  • tenpercent on 31/07/2025 - 09:12

    Create an Excel compatible (or Google-agnostic) version and I'll consider it.

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 09:16
      +2

      Unfortunately Excel is more limited in what is offered via scripting. The scripts that power the sheet use functionality that is only offered via Google and Google Finance. It’s also what powers the live pricing and currency conversion aspects of the sheet.

      You can still download this and import it into Excel but monthly recording options will be limited.

      • TheFreaK on 31/07/2025 - 09:30
        -6

        I hate to be that guy, but Excel has both live pricing and currency conversion natively supported

        • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 09:33
          +8

          On listed assets on support exchanges yes, but not managed funds, crypto or off market assets. This sheet imports from Yahoo Finance, FT and MorningStar for coverage.

          It also doesn’t natively support combined price and currency lookups at the same time if you purchase overseas assets, providing both the past and current parcel value which is what is needed for CGT estimations.

          This sheet also calculates your FIFO CGT obligations as an estimate to keep track of your CGT owing throughout the year.

        • ViperAMD on 31/07/2025 - 09:45
          +2

          Scripting has made sheets so much more powerful than Excel, its night and day what you can do in Sheets.

          • kamikkels on 31/07/2025 - 12:33

            @ViperAMD: Excel also supports scripting in JS (in addition to the much older VBA scripting on excel desktop),
            code isn't really portable between the excel and sheets for a number of reasons, but basically anything you can do int one you can also do in the other

  • Gh0StFaC3 on 31/07/2025 - 09:12
    -6

    Kudos for the marketing, I appreciated the way this was worded.
    However, if I was serious about managing my finances - I probably wouldn't be spending money on a copy of someone's excel style spreadsheet. :)

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 09:17
      +2

      While this might seem like just another spreadsheet, I assure you it’s not. Please check the last deal for comments on the functionality offered.

      There are a lot of users of this sheet and many say it’s well worth the cost given the functionality offered and time saved creating something similar.

  • frowny on 31/07/2025 - 09:14

    Speaking of actually - how does the 20% HECS reduction work with indexation? I might have finally become HECS-free if it all works out in my favour with my tax return!

    • worrierwan on 31/07/2025 - 11:54

      20% discount happens before indexation I believe

      • frowny on 31/07/2025 - 12:08

        Let's goooooo! I saw it passed today too, so happy

  • mymumsaysiamhandsome on 31/07/2025 - 09:18
    +4

    Not affiliated with OP but I have been using it for macro tracking of assets Nice tool to have especially for the price of 1 cup of coffee. I think I got it back when it was 3 or 4 bucks.

  • sghetti on 31/07/2025 - 09:27
    +5

    Bought this a few years ago. I drift in and out of using it compared to mobile cashflow apps with transaction tracking/open banking. But I keep coming back to it. Once you get the hang of it, it takes a few minutes out of the month to update figures and you get a decent snapshot of your overall wealth.

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 09:36

      Thanks for the kind words! Glad to hear it’s been helpful for you.

  • countmein on 31/07/2025 - 09:27
    +2

    Who is here purchased it from the last deal but havent used it 😅 i promised to sort out my finance but..

    • Oh Daddy on 31/07/2025 - 10:00
      +1

      Once you sort out your finances, you wont be on OZB anymore lol

      • frowny on 31/07/2025 - 10:16
        +10

        The point of OzBargain isn't to save money, it's the thrill of the deal at this point. I'm still chasing the dragon from some insane bargain highs of years past

      • onetwothreefour on 31/07/2025 - 11:33
        +2

        Once you sort your finances out, you will realise how important being on OzBargain is.

    • SBOB on 31/07/2025 - 10:49

      Yep, ages ago and then never got around to the effort of setting it up :)

  • downhillmtbr on 31/07/2025 - 09:31
    +3

    Just wanted to say thanks OP for all your work on the sheet. I've been using it for 5 years and have gotten immense value from it.

    • one piece of feedback, would be nice to be able to track crypto holdings that are ETFs and not in a coin denominated value.
    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 09:34

      Thanks for the suggestion on this. It’s come up recently as well with retirement accounts spanning managed investments. I’ll take this as a note for the next version, thanks for the suggestion!

  • browser on 31/07/2025 - 09:34
    +1

    This is not intended as a day-to-day income/expense and budgeting tool, is it?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 09:35
      +3

      Great question. So this sheet works on a level higher than transactions to ensure ease of use when updating each month. It records balances rather than individual transactions and therefore takes just a few minutes each month to update. This helps you track progression, net-worth and saving and investment performance.

      For transaction tracking, there are a variety of options out there such as Frollo or Pocketsmith that might work.

    • coolhand on 31/07/2025 - 12:23

      @browser you might like this if you want NW and expense NW Tracker

  • impoze on 31/07/2025 - 09:42
    +2

    have been using this for a few years, been great for tracking ETF DCA & dividends

    • Mokr on 31/07/2025 - 09:50

      Shares ight?

      • impoze on 31/07/2025 - 10:41
        +1

        sharesight is good for that too, I also track my other finance with the spreadsheet though

        • tm32 on 31/07/2025 - 12:46

          Sharesight is the goto, and as long as your in the bounds of the free model its fine.

          However, give they just announced one of the core features is now behind a subscription, I am considering that longer term ensuring my dependence of is carefully managed. They seem hesitant to enter the market at a lower price point, and relying on users to claim the costs as expenses come tax time I can only assume. I can assume that as time goes by the restrictions on the free part will start to come under more pressure.

          The CS sheet app here works as my backup plan to sharesight in effect, helps reconcile information.

          Its net worth functions once you get going, dont take too long to do a monthly update and as a mental cue to be honest to keep a better view of how things are going.

      • turtlesinmypants on 31/07/2025 - 15:23

        Navexa and snowball are also good for this.

    • countmein on 31/07/2025 - 11:23

      Re DRP, can it do automatic recalculation and tracking the carry forward balance like sharesight?

  • Kassa on 31/07/2025 - 09:44

    I remember buying this, but how to get a copy again - do i have to pay

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 09:45
      +5

      If you’ve already purchased no need to purchase again. Just shoot me a PM and I’ll sort out a new version for you.

    • smartazz104 on 31/07/2025 - 10:17
      +3

      You make one that's exactly the same and give it away…

  • SlimJimmy on 31/07/2025 - 09:54
    +2

    I've been using this for 4 years - Can highly recommend.

    Initial setup takes some time, but once all sorted you spend 3 minutes once a month updating details.

    Very rewarding and informative seeing progress towards your goals, and areas to address.

    Thanks for your service!

  • t-money on 31/07/2025 - 09:58
    +1

    best spreadsheet in the game for tracking assets!

  • xNik on 31/07/2025 - 10:01
    -2

    Now that chatgpt exists and even excel based AI's like tryshortcut you don't really need this anymore. Its so easy to build your own version that is fully customised to exactly how you like to input data and what you want to track

    • downhillmtbr on 31/07/2025 - 10:04
      +7

      Disagree completely on this, the amount of testing required to actually validate everything works properly and to build it all out, even with AI would take hours and hours. For $6, that's easily worth the time saving.

    • JSONBourne on 31/07/2025 - 10:13
      +4

      Also disagree on this. While you'll get an output, you won't understand it and have to take the numbers at face value. As soon as you start building inter dependencies on a sheet these tools fall apart as they can't go layers deep. You'll then spend hours debugging and following the logic to find out where the issue is. Customisations also become a headache too.

      Going with something that's tested and offers support for $6 seems way more cost/time effective.

    • OZB Al on 31/07/2025 - 10:19
      +3

      I'd really love to see you try. This is way beyond what you're thinking of, I'd say after a week of hard work you might get close to 10% of its abilities.

  • ra-one on 31/07/2025 - 10:05

    Hi OP, I have bought this earlier. My Current version is CompiledSanity Personal Wealth Template v2.12.1 - 🇦🇺 Aus Version. Is this the correct version?

  • mduncan2 on 31/07/2025 - 10:07
    +1

    Bought this only a few weeks ago.
    It'll be everything I need when/if you add in the ability to import bank account transactions from a csv so we can assign budget categories to individual transactions, and then automatically keep our expenses 'actuals' updated against budget/planned.

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 10:12
      +2

      Something I’m investigating and it’s on my to-do list to make this as easy as possible and potentially integrate with providers like Frollo/PocketSmith. Currently being worked on.

  • freedomofspeech on 31/07/2025 - 10:15

    Is this an ATO tax-deductable purchase? :)

    I'm not using Google Sheets, can I use this spreadsheet in Excel?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 10:19

      Whether it’s ATO deductible is probably situation specific and how you intend to use the sheet.

      Unfortunately due to the scripts that power the sheet (which offer a lot more functionality over Excel) it’s Google sheets only. This powers processed such as the monthly recording process, live prices and CGT estimations.

      • freedomofspeech on 31/07/2025 - 10:20

        Can I use it offline? On Mobile and Desktop?

        • OZB Al on 31/07/2025 - 10:43

          Yes. Anywhere you can open Google sheets.

  • balu on 31/07/2025 - 10:21
    +2

    I have my own spreadsheet which has grown large and cumbersome as I try to keep it uptodate.

    I have had sharesight in the past and it was difficult to customise and see what I wanted

    Bit the bullet and bought this, hopefully we get feature updates as well for future versions.

  • Cappa87 on 31/07/2025 - 10:21

    Can this spreadsheet handle a defined benefit super fund?

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 10:26

      You can enter in your own super funds, although in this case the balance will be manually updated. You can then include any payouts in your income.

      • Cappa87 on 31/07/2025 - 11:02

        Thanks OP. Just purchased. Received the spreadsheet instantly. Cheers.

        I assume I am better of setting it all up and submitting for the month tomorrow, being August 1st?

        • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 11:16

          Yep that’s probably a good idea, then you’ll have your numbers locked in for August that way. You can always re-record at any time if you want to as well. Enjoy!

  • life is suffering on 31/07/2025 - 10:23
    +2

    Got this but got depressed after looking at some any sheets and my bank balance ♎

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 10:25
      +2

      Every journey begins from somewhere. Accountability and a sense of progress is what makes it stick.

      • life is suffering on 31/07/2025 - 11:31

        Thanks OP yeah it makes sense . I will give it another crack

  • s779881 on 31/07/2025 - 10:24

    I got a free cup of coffee this morning so thought why not

    However when i goto click paypal or purchase it pops up with a window that auto closes…. so I guess thats a no from me dawg

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 10:26

      I assume that is the PayPal window? Do you get a pop-up blocker prompt in your browser bar?

      • Gorzy on 31/07/2025 - 18:35

        I had the same issue with Firefox so I switched to Chrome to complete the transaction. Problem-solved.

      • NobalaKoba on 31/07/2025 - 21:29

        Had the same issue, it was due to Ublock Origin.

  • dangerdanger on 31/07/2025 - 10:26

    I bought this for $8 recently. So much info, so involved, I just went back to my usual Excel spreadsheet (which I fill out every few months). Haha

    But I'm happy to have given you $8 for a job well done, and the effort you put in

    • Cappa87 on 31/07/2025 - 10:59
      +6

      Cocaine is a hell of a drug

      • frowny on 31/07/2025 - 11:25
        +1

        This was genuinely one hell of a ride LOL

    • rooster7777 on 31/07/2025 - 11:34
      -6

      Shhhh payless… there are still a lot of tender souls around that believe albo is a battler risen to the heights and defending all good australians!
      the friend of israel that says he doesn't like genocide or starvation as a weapon of ethnic cleansing…. bit of a mutually incompatible phrase there!!
      but at least albo locks up all the criminals like whistleblowers and stuff!
      ps… remember to flip your power for some great cashbacks!

  • cheekymonkey97 on 31/07/2025 - 10:44

    Steep learning curve IMO to use this but I use it in combination with YNAB and it's great. Well worth the cost for the amount of effort that has gone into creating it.

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 11:24
      +1

      Thanks for the kind words! I recently spent some time working on the Sheet guide to make things more approachable. Lots of new info and FAQs in each tab.

  • rliu on 31/07/2025 - 10:45

    Thanks Op! Just brough the spread. It works for me.

  • OZB Al on 31/07/2025 - 10:52
    +1

    I bought this years ago, but only started using it this year. It is a pain to set up, but once you have it's just a few minutes a month. Having gone through that set up pain I can see where all of my money actually is, no more guessing. I know how much I should expect in dividends and when to expect them. I can quickly see the value of my mortgages, crypto, stocks and ETFs in one window. And so far I'm only using half of its capabilities!

  • halfnhalf71 on 31/07/2025 - 10:52
    +1

    I've been using this since 2023 and although it doesn't track transactions (it's not necessary) it is great for tracking overall wealth. For the price, i think it's a bargain.
    Like others have said, it takes me a few minutes each month to update.

  • samyall on 31/07/2025 - 11:16
    +2

    I have this and its great. Well worth $8 so an absolute steal at $6.

    My only complaint (and this may be a user issue) is that I often forget a month but there is no way to easily fill in the in the gap left by the empty month. I know you can copy the history but that is a pretty average solution to what I imagine is a common issue.

    • AssociatedCSPersonalFinance @ CompiledSanity Personal Finance Templates on 31/07/2025 - 11:20

      Thanks for the kind words! And completely understand the frustration. In v2.14 I added the ability to be able to record for past months (called Lookback recording). Have you been able to give this a go to see if it helps you?

      • mcdodong on 31/07/2025 - 13:46

        I’m
        Still at 2.13. I need to try and tinkle with 2.14 and 2.15. Thanks again!

      • samyall on 31/07/2025 - 19:32

        I'm still on 2.13 and its the last day of the month so I guess that is all the hint I need to upgrade and put some data in.

Login or Join to leave a comment
Login Join