Sheet Tabs
General Information
SheetOptions Tab
The Sheet Options tab is perhaps one of the most critical tabs in the Sheet as it contains settings that are accessed many different parts of the Sheet.
NOTE: The leftmost tables are read-only and will automatically update. Please only update cells that are coloured in yellow.
Setting Title
Explanation
Personal Gmail
This is to email you your end of month summary. This should be autofilled.
Day of Month Paid
What day of the month are you paid? If you're not paid monthly, set this to 1.
Use Budget Tab?
Recommended as yes so the Sheet can understand what your expected expenses are. If set to yes, fill out the Budget category as accurately as possible!
Employment Salary
Used as part of the savings rate calculations.
House Price Target
The target house price that you're saving for. Otherwise set to $0. Note that if you're saving with someone else who is not bundled into your Sheet (ie. partner), please set this number to your own expected contribution.
General Cash Savings Target
Set yourself an open-ended cash goal.
Salary Frequency
How frequently you're paid (ie. weekly, fornightly, monthly).
Net Regular Income
The net pay you regularly receive from your income that is deposited into your bank (ie. after Tax/IRA/HECS). This is an after-tax value.
Job Start Date
This is to help with savings rate calculations, but is largely obsolete as of v2.8.
Include Side Income in Budget Income
If you have irregular or lumpy income reported in Side Income Tab, this will include a rolling 12-month average into your budget. Useful for contractors or those who do not have a fixed or consistent income.
Bank Interest Rate
The interest rate your bank provides on your savings. If you have multiple accounts, make this the minimum of the accounts where you store the bulk of your savings.
Brokerage (buy only)
How much you pay for brokerage (buy only).
Allocation aggressiveness
How aggressively do you want to keep aligning with your Asset Allocations? As part of the rebalancing function of the Sheet, this will tell the Sheet how aggressively you want to rebalance and assign future income.
For example if you are deficient in ETFs by 10% according to your allocations, set to light the Sheet may only recommend 30% of your next paycheck contributed towards ETFs. If set to aggressive, the Sheet may recommend up to 100% of your next pay check.
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Please note this only takes effect after the emergency fund threshold has been met. Investing involves risk, make an educated decision (see disclaimer).
Create Calendar/Email reminder?
Do you want email/calendar reminders when your conditions suggest you should invest? Investing involves risk, make an educated decision (see Disclaimer).
Asset Allocations - ETFs
How much of your assets (excluding property) do you want in ETFs? Investing involves risk, make an educated decision (see Disclaimer).
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For an explanation of why this setting matters, see the "Allocation aggressiveness" entry.
Asset Allocations - Stocks
How much of your assets (excluding property) do you want in Stocks? Investing involves risk, make an educated decision (see Disclaimer).
For an explanation of why this setting matters, see the "Allocation aggressiveness" entry.
Asset Allocations - Crypto
How much of your assets (excluding property) do you want in Crypto? Investing involves risk, make an educated decision (see Disclaimer).
For an explanation of why this setting matters, see the "Allocation aggressiveness" entry.
Asset Allocations - Cash Drawings
How much of your assets (excluding property) do you want in Cash?
For an explanation of why this setting matters, see the "Allocation aggressiveness" entry.
House Savings Target / Year
If you're saving for a house, how much do you want to save each year as a target? Set to $0 if not saving for a house.
Last modified 10mo ago
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