Sheet Options Tab
The Sheet Options tab is a central hub of all settings and inputs into the sheet. These inputs then flow onwards through to the rest of the tabs where needed.
When setting up the sheet for the first time, we recommend working through all settings in this tab from top to bottom.
Personal Gmail
Your email address for receiving monthly summary reports. This should be automatically filled in.
Day of Month Paid
Enter the day of the month you receive your salary. If you're not paid monthly, set this to 1.
Use Budget Tab?
Select whether you want to use the Budget tab features. When set to "Yes," the sheet will use your budget entries to create expenditure estimates. For maximum accuracy, fill out the Budget tab completely.
Employment Salary
Enter your gross employment salary (before tax deductions). For irregular income, you can either: a) Enter an estimated annual figure b) Set this to $0 and record all income in the Side Income tab, which will automatically calculate this figure for you. Note: If you're paid in a currency different from the sheet's default, disregard the incorrect currency symbol and specify your correct salary currency in the "Employment Salary Currency" field below.
House Price Target
If saving for a house, enter your total savings target. If saving jointly with someone not included in this sheet (e.g., partner), enter only your expected contribution amount.
General Cash Savings Target
Set a general cash savings goal for yourself (not tied to a specific purpose).
Salary Frequency
Select how often you receive your salary (weekly, fortnightly, monthly).
Net Regular Income
Enter your take-home pay amount (after tax, retirement contributions, student loan payments, etc.) that is actually deposited into your bank account.
Job Start Date
Your employment start date, used for savings rate calculations (though largely unused since v2.8).
Include Side Income in Budget Income
For irregular income reported in the Side Income tab, this setting will include a 12-month rolling average in your budget calculations. Especially useful for contractors or those with inconsistent income.
Bank Interest Rate
Enter the interest rate your bank pays on your savings. If you have multiple accounts, use the rate from the account where you keep most of your savings (not your transaction account).
Brokerage (buy only)
Enter how much you pay in brokerage fees when purchasing ETFs, stocks, or managed funds.
Allocation aggressiveness
Determines how aggressively the sheet recommends rebalancing your portfolio toward your target asset allocations. Example: If your ETF allocation is 10% below your target, a "Light" setting might recommend allocating 30% of your next paycheck to ETFs, while an "Aggressive" setting might recommend up to 100%.
Important: These recommendations only apply after you've met your emergency fund threshold.
NOTE: Investing involves risk - please make informed decisions (see disclaimer).
Asset Allocations - ETFs
The percentage of your non-property assets you want invested in ETFs. NOTE: Investing involves risk - please make informed decisions (see disclaimer).
This setting affects the sheet's recommendations as explained in the "Allocation aggressiveness" entry.
Asset Allocations - Stocks
The percentage of your non-property assets you want invested in individual stocks. NOTE: Investing involves risk - please make informed decisions (see disclaimer).
This setting affects the sheet's recommendations as explained in the "Allocation aggressiveness" entry.
Asset Allocations - Crypto
The percentage of your non-property assets you want invested in cryptocurrency. NOTE: Investing involves risk - please make informed decisions (see disclaimer).
This setting affects the sheet's recommendations as explained in the "Allocation aggressiveness" entry.
Asset Allocations - Cash Drawings
The percentage of your non-property assets you want to maintain as cash.
This setting affects the sheet's recommendations as explained in the "Allocation aggressiveness" entry.
House Savings Target / Year
If saving for a house, enter your annual savings target for this specific goal. Set to $0 if not saving for a house.
Base Currency Choice
Enter the three-letter code for your preferred base currency (e.g., USD, EUR, GBP).
NOTE: This setting won't change currency symbols throughout the sheet. It only affects how international assets in different currencies are converted to your base currency for reporting purposes.
Asset Allocations - Managed Funds
The percentage of your non-property assets you want invested in managed funds. NOTE: Investing involves risk - please make informed decisions (see disclaimer). This setting affects the sheet's recommendations as explained in the "Allocation aggressiveness" entry.
EOY Cash Goal
Set an end-of-year cash target. The sheet will track your progress and project if you'll meet this goal based on your current savings rate.
Market Investment Return
Your assumed long-term average annual market return percentage, including inflation.
Tax Bracket
Your current income tax bracket percentage.
For couples tracking together, use the CompiledSanity Partner Tax Calculator to work out an averaged tax rate.
House Deposit - % Target
If saving for a house, enter what percentage of the total house price you need for your deposit (e.g., 10% or 20%).
House Deposit - Investment Contribution %
If saving for a house, enter what percentage of your existing investments you plan to use toward your house deposit.
CoinMarketCap API
For tracking cryptocurrency prices, enter your CoinMarketCap API key. Sign up at https://pro.coinmarketcap.com/signup/
Emergency Fund Duration
Enter how many months of expenses you want your emergency fund to cover. The sheet will calculate your target fund amount based on your average monthly spending.
Minor Version Update Notification
Choose whether to receive notifications for minor version updates (e.g., 2.10.1 → 2.10.2). Set to "Yes" to get pop-up notifications and alerts in the Net Worth tab.
Major version releases will always trigger notifications regardless of this setting.
Automatic Investment System
Set to "Yes" if you want the sheet to automatically optimize your budget for investing. Set to "No" if you prefer to manually manage your investment allocations.
Capital Gains - Calculation Style
Select your preferred method for calculating capital gains.
Capital Gains - Short Term Tax Rate
Enter the tax rate percentage you pay on capital gains from assets held less than 1 year.
Capital Gains - Long Term Tax Rate
Enter the tax rate percentage you pay on capital gains from assets held more than 1 year. Note: This is your actual tax rate, not the discount rate.
Capital Gains - Show in Liabilities Tab
Choose whether to display current financial year capital gains tax obligations in the Liabilities tab. This helps ensure potential future tax burdens aren't counted in your net worth calculations.
Crypto Fee (%)
Enter the percentage fee your cryptocurrency exchange charges per transaction (buy/sell).
Employment Salary Currency
Enter the currency in which your salary is paid.
Crypto Pricing Source
Select your preferred source for cryptocurrency price data. Ensure you use the correct ticker codes for your chosen source (e.g., "BTC" for CoinMarketCap, "Bitcoin" for CoinGecko). Note: CoinMarketCap currently offers the most stable and well-supported integration.
Include Mortgage in Savings Rate?
Set to "Yes" if you want your monthly mortgage payments included in your savings rate calculation. If set to "No," mortgage payments will be categorized as spending.
If you have questions about any field or need further help, please post in the CS Personal Finance Reddit forum.
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