Full Personal Finance Workbook Sync

Personal Finance

Workbook

Your data is stored privately in the cloud and scoped to your account. Your financial data is encrypted, and passwords are hashed and never stored in plain text.

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Auto-save + locks

This workbook saves to your secure cloud account and syncs across your devices. Income stays manual. Cash-flow expenses, savings, and discretionary totals are auto-built from mapped rows in the expense sheet, while balance metrics stay live from the balance sheet.

Cloud sync ready.

This synced version uses the Expense Sheet and Balance Sheet as the main source tabs. Income is entered manually, while expenses, savings, and discretionary cash-flow categories are auto-generated from mapped rows in the Expense Sheet. Lock only the source tabs you directly edit: Income, Expense Sheet, and Balance Sheet.

Daily summary

Auto-calculated from the editable cash-flow tables.

Total available cash

Income

Outflow

Monthly available cash

Type	Daily	Monthly	Annual

Monthly totals

Total monthly cash flow

Income total

Outflow total

Type	Total

Annual category totals

Total cash flow to date

Income annual

Expenses annual

Savings annual

Income

Edit annual values and monthly values recalculate automatically.

Item	Annual	Monthly	Remove

Expenses

Auto-generated from mapped Expense Sheet rows.

Item	Annual	Monthly

Discretionary

Auto-generated from mapped Expense Sheet rows.

Item	Annual	Monthly

Savings

Auto-generated from mapped Expense Sheet rows.

Item	Annual	Monthly

Expense Sheet

Paycheck amount

First paycheck leftover

Second paycheck leftover

Total monthly leftover

First paycheck expenses

	Expense	Amount	Date	Remove

Second paycheck expenses

	Expense	Amount	Date	Remove

Home expenses

	Expense	Amount	Company	Remove

Subscriptions

Monthly subscriptions

	Monthly subscription	Amount	Paycheck	Remove

Yearly subscriptions

	Yearly subscription	Amount	Remove

Settings

Adjust the workbook display and preferences from one place.

Appearance

Theme

Switch between dark and light display modes.

Interface size

Choose how dense or roomy the workbook should feel.

Data controls

Auto-save and backups

Export saves a JSON backup of your workbook. Import loads a previously exported JSON file and replaces your current data (it then syncs to your cloud account).

Feedback inbox

Only your account can see this tab. Customers only see the Feedback button.

StatusTypeSearch

Balance Sheet

Investment totals include investments, crypto, and alternative assets. Brokerage cash is tracked separately for cash equivalents.

Total assets

Total liabilities

Net worth

Total cash equivalents

Bank total

Brokerage cash

Investment balance excl. cash

Total investment balances

Alternative assets total

Balance sheet analytics

Live charts from the tables below.

Asset mix

Liability breakdown

Net worth

Debt-to-asset ratio

Assets

Bank accounts, investments, crypto, and alternative assets.

Bank accounts

	Account	Balance	Remove

Investments

Total balance, cash held inside, and the balance excluding cash.

	Investment	Total Balance	Cash Balance	Excluding Cash	Remove

Crypto investments

	Account	Total Balance	Cash Balance	Remove

Alternative assets

	Asset	Value	Cash Balance	Remove

Liabilities

	Account	Amount	Remove

Analytics

Charts refresh automatically from the editable tables.

Monthly subscription run rate

Home expense total

Largest liability

Liquid cash share of assets

Asset mix

Liability breakdown

Expense comparison

Net worth snapshot

Annual cash flow composition

Income vs. where it goes

Annual expense categories

Savings rate

Share of income saved

Debt-to-asset ratio

Leverage on the balance sheet

Net worth projection

12-month outlook at current monthly savings

Monthly cash flow trend

Income vs. outflow over 12 months

Cumulative savings

Savings accumulated month over month

Debt payoff outlook

Liabilities reduced at current allocation