Cash

The Cash tab tracks your cash accounts and savings goals.

Manual User Cells

• Bank Names • Bank Currency • Bank Balance • Spend Notes

Bank Account Section

This section allows you to record all your bank accounts in one place. Enter each account's name, currency, and balance. The sheet automatically calculates your total balance across all accounts.

International Bank Accounts

The currency column specifies which currency each account uses. The system automatically converts all currencies to your sheet's base currency.

For example, in an AUD-based sheet:

An example of EUR, USD and AUD Bank accounts in a GBP Sheet

Bank Account (Shown)	Currency (Shown)	Currency Balance (Shown)	Converted AUD Balance (Not Shown)
ING	AUD	200	200
HSBC	GBP	200	111
Bank of America	USD	200	153
		Total AUD	464

While the conversion calculations happen behind the scenes, the system works as shown in the table above. In this example, your total balance would display as $464 AUD.

EOY Predicted Cash Balance Section

This section tracks your progress toward your End-of-Year Cash Goal. You can set this target in the SheetOptions tab.

Cash Goal Section

Unlike the EOY goal, this section monitors progress toward a long-term Cash Goal that can extend years into the future. You can also set this goal in the SheetOptions tab.

Savings Rate Section

This summary shows your average savings rates over different time periods. The "3-Month Saving Rate ±%/Month" indicates how your savings rate has changed in the past quarter.

For instance, if your average increased from 45% to 50%, this cell would display 5%. This helps you visualize the trend in your savings habits over time.

House Savings Target/Year

This section tracks your progress toward saving for a house deposit. You can configure the target amount and related settings in the SheetOptions tab.

Cash History

The Cash History table provides a comprehensive view of your financial progress over time.

Column	Explanation
Date	The month for which data is displayed
Total Cash	Your total cash balance at month end
Cash Gain (Currency)	The amount your cash increased compared to the previous month
Cash Gain (%)	The percentage increase in your cash balance compared to the previous month
Added Investments	New investments made since the previous month, including: Stocks, ETFs, Crypto, Voluntary Retirement Contributions, Managed Funds, Other Assets
Savings Rate	Your monthly savings rate, calculated as: (Total Cash Gain + Added Investments) / (Total Income - Salary, Side Income, Dividends)
Monthly Savings	Monthly Cash Gain + Added investments
Projected Cash	Your projected cash balance for this month
Monthly Spend	Your total expenditure for the month to date
Notes	Space for recording significant purchases or explaining unusual cash movements