# Cash

![](https://1515266990-files.gitbook.io/~/files/v0/b/gitbook-legacy-files/o/assets%2F-MSuatx32f5nztfqTHft%2F-MbzIj4Am9Q6TrZ-ddRe%2F-MbzQGN1lzgY_68UTquM%2FCashTabv2107.jpg?alt=media\&token=6a23272b-7a15-4aef-ba9e-87131d63325c)

<details>

<summary>Manual User Cells</summary>

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

</details>

### 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](https://1515266990-files.gitbook.io/~/files/v0/b/gitbook-legacy-files/o/assets%2F-MSuatx32f5nztfqTHft%2F-MfRvn2yRBLLX6ZWuXt6%2F-MfRvvDaxnEwhRSrFcxZ%2FInternationalBalance.png?alt=media\&token=05a3e32a-0db9-4b27-9d63-d0ecbab354d7)

<table data-full-width="false"><thead><tr><th>Bank Account (Shown)</th><th>Currency (Shown)</th><th>Currency Balance (Shown)</th><th>Converted AUD Balance (Not Shown)</th></tr></thead><tbody><tr><td>ING</td><td>AUD</td><td>200</td><td>200</td></tr><tr><td>HSBC</td><td>GBP</td><td>200</td><td>111</td></tr><tr><td>Bank of America</td><td>USD</td><td>200</td><td>153</td></tr><tr><td></td><td></td><td><strong>Total AUD</strong></td><td>464</td></tr></tbody></table>

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.

<table data-full-width="false"><thead><tr><th width="235">Column</th><th>Explanation</th></tr></thead><tbody><tr><td>Date</td><td>The month for which data is displayed</td></tr><tr><td>Total Cash</td><td>Your total cash balance at month end</td></tr><tr><td>Cash Gain (Currency)</td><td>The amount your cash increased compared to the previous month</td></tr><tr><td>Cash Gain (%)</td><td>The percentage increase in your cash balance compared to the previous month</td></tr><tr><td>Added Investments</td><td>New investments made since the previous month, including:<br>Stocks, ETFs, Crypto, Voluntary Retirement Contributions, Managed Funds, Other Assets</td></tr><tr><td>Savings Rate</td><td>Your monthly savings rate, calculated as:<br>(Total Cash Gain + Added Investments) / (Total Income - Salary, Side Income, Dividends)</td></tr><tr><td>Monthly Savings</td><td>Monthly Cash Gain + Added investments</td></tr><tr><td>Projected Cash</td><td>Your projected cash balance for this month</td></tr><tr><td>Monthly Spend</td><td>Your total expenditure for the month to date</td></tr><tr><td>Notes</td><td>Space for recording significant purchases or explaining unusual cash movements</td></tr></tbody></table>