Patrimonio e Investimenti
Tutti i conti in un posto solo: fotografia mensile del patrimonio, asset allocation rispetto all'obiettivo, posizioni, debiti e una proiezione a 30 anni
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- 10 fogli
- Formati: .xlsx (Excel 2016+, Google Sheets) + PDF guide
- ZIP: 120 KB
Configuralo, usalo per almeno una settimana e, se davvero non fa per te, scrivici entro 14 giorni con uno screenshot della tua configurazione: ti rimborsiamo per intero.
I dettagli del prodotto per ora sono in inglese.
List up to 30 accounts — current accounts, savings, brokerage, retirement, property, vehicles, crypto, credit cards, loans and mortgages — then type one closing balance per account, once a month, into the next column of the snapshot grid. Total assets, total liabilities, net worth, the month-over-month change and the change year to date all calculate for you, and the Dashboard shows twelve KPIs and four charts without you touching a formula.
The Allocation sheet reads the latest filled column and shows what each asset class is worth, its share of your portfolio, how far it has drifted from the target you set in Settings and exactly how much to buy or trim to get back on plan. The Investments sheet holds up to 60 holdings with units, average cost and current price, so you can see market value, unrealised gain and weight per position, per account and per class.
Projection compounds your current net worth and monthly contribution at a blended expected return weighted by your allocation, in conservative, expected and optimistic cases, for 30 years — and tells you which year you cross 100k, 250k, 500k and a million. Goals turns your annual expenses into an FI number using the 4% rule (Bengen, 1994; the Trinity study, Cooley, Hubbard & Walz, 1998), then works out years to financial independence with NPER, the contribution needed to hit a target age with PMT, and your Coast FI number. Liabilities does the same maths in reverse: months to pay off, payoff date and interest still to pay for every debt.
Built for Excel 2016+ and Google Sheets with classic, compatible formulas only — no macros, no add-ons, nothing locked. Sample data for a realistic household is filled in so every chart is alive on first open; clear the yellow cells and it is yours.
Cosa ricevi
- 10 sheets: Start Here, Settings, Dashboard, Accounts, Monthly Snapshot, Allocation, Investments, Projection, Goals, Liabilities
- 30 accounts × 24 monthly snapshots — assets, liabilities, net worth, month-over-month change and % change per month
- Dashboard with 12 KPIs (net worth, change this month, change YTD, assets, liabilities, debt-to-asset ratio, emergency-fund months, savings rate, blended expected return, FI progress, portfolio value, unrealised gain) and 4 charts
- Asset allocation by class with target %, drift in percentage points and the exact rebalance amount to buy or trim
- Up to 60 holdings with market value, cost basis, gain/loss, % gain and weight — summarised by account and by asset class
- 30-year projection with conservative / expected / optimistic cases and the year you reach 100k, 250k, 500k and 1M
- FI number from the 4% rule with years to FI (NPER), the monthly amount needed to reach a target age (PMT) and Coast FI
- Up to 15 debts with APR and payment → months to pay off, payoff date, interest still to pay and a debt-free date
- Every assumption is an input you control: target allocation, expected return per class, withdrawal rate, contribution growth
- Works in Excel 2016+ and Google Sheets · no macros · instant download (.xlsx + PDF guide)
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Cosa contiene
Domande
Does it work in Google Sheets?
Yes. Upload the .xlsx to Google Drive, open it and choose File → Save as Google Sheets. Every formula, dropdown and chart is Sheets-compatible, including NPER and PMT. A short PDF walks you through it.
How often do I have to update it?
Once a month. Type each account balance into that month's column on Monthly Snapshot — about five minutes. Everything else, including the Dashboard and Allocation, recalculates from that column.
Do I have to enter individual holdings?
No. The Investments sheet is optional — the tracker works from account balances alone. Fill it in if you want position-level gain/loss and weights.
How is the projection calculated?
Balance × (1 + r/12)^12 + monthly contribution × ((1 + r/12)^12 − 1) ÷ (r/12) each year, where r is the expected return weighted by your current allocation. Conservative and optimistic cases use r minus and plus a spread you set (2% by default). It is an illustration, not advice.
What is the FI number?
Your annual expenses divided by a safe withdrawal rate — 4% by default, which is the same as 25 times expenses (Bengen, 1994; Trinity study, 1998). Change the rate to 3.5% for a more cautious plan; every number updates.
Can I track more than one currency?
The workbook uses one currency symbol, which you set in Settings. Convert foreign accounts to your main currency when you enter the balance.
Is anything locked or macro-based?
No. No macros, no protected sheets, no external links. Blue-on-yellow cells are inputs; black cells are formulas.
Recensioni
Ancora nessuna recensione — questo prodotto è nuovo. Ogni recensione qui arriva da un acquisto verificato.
Licenza per uso personale, una famiglia. Vietata la rivendita e la ridistribuzione. Consegnato come download ZIP subito dopo il pagamento. Non viene spedito nessun articolo fisico.
