Cash
The Cash tab tracks your cash accounts and savings goals.
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:
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.
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
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