Net Worth Over Time

Spreadsheets gSheets Templates
1

Overview

I found the original Net Worth sheet limiting. The time frame and intervals were too short for my purposes, so about 2 years ago I spent some time building it out to allow customized time frames as well as account and group selection. I wanted to track data for several years and be able to choose yearly, monthly, weekly or daily. I also wanted to be able to follow and chart individual groups or even accounts via an checkbox interface. This sheet allowed me to track net worth, investment balances, credit card balances, etc over many years and at daily granularity.

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Installation

Add two sheets to your foundation template: “Setup” and “Net Worth Dashboard”. The setup sheet is essentially a build out of the original Net Worth sheet built by Randy. You might have to edit one piece of code. In cell B7 the code is:

=IF(‘Net Worth Dashboard’!P5=“30 days”,today()-31,IF(‘Net Worth Dashboard’!P5=“90 days”,today()-91,IF(‘Net Worth Dashboard’!P5=“6 months”,EDATE(TODAY(),-6),IF(‘Net Worth Dashboard’!P5=“Year to date”,DATE(YEAR(TODAY())-1, 12, 31), IF(‘Net Worth Dashboard’!P5=“Last Year”,DATE(YEAR(TODAY())-2, 12, 31),
IF(‘Net Worth Dashboard’!P5=“1 year”,today()-365,IF(‘Net Worth Dashboard’!P5=“All”,date(2023,12,31),datedate(2024,1,1))))))))

Note the bolded code. Those dates will need to be changed to the date immediately prior to the date of your first recorded balances in Tiller and the date of your first balance. In my case, my first Tiller sync was on January 1, 2024, so the dates are 2023,12,31 and 2024,1,1. I’m sure you can replace that with filtered date that autofills from your sheet but I never wrote that out…

Columns H and I of the setup sheet are the standard Tiller conventions for sheet references. You may need to tweak these if you have errors. It works for my sheets, which I believe are pretty standard, but yours may be different.

Usage

Once you have the setup sheet configured, all interactions take place in the Net Worth Dashboard Sheet. Column P has all the user selectable options, including time frame, interval, Assets, liabilities, account groups, or individual accounts. You can select up to 11. When you select an account or group, the setup sheet generates a “wide” view of all the balances you’ve selected, and the columns B through M of the Net Worth Dashboard will display historic balances in a “long” format.

I broke up the “Setup” and “Net Worth Dashboards” into two sheets because with several years of data and daily granularity a sheet that was both “wide” and “long” would make the sheet millions of cells and max out google’s limits.

Permissions

You can do anything you’d like with these sheets

Notes

If you run into trouble, make sure that the balance history sheet is sorted by date (descending). I included a calculated net worth in cell O2 from the accounts page. If the net worth in todays date in column C does not match it, you may check that your balance history sheet is correctly formatted.

I run this with about 3 years of data and over 30 accounts. It runs well for me but I can’t vouch for your setup.

There are no scripts run by this sheet.

I have not worked on this sheet in a long time, and don’t intend to do any more work on it. I have since built out a web interface for my sheets and abandoned this project, but I thought I might share it here in case others want to use it or build on it.

FAQ

None

5 Likes
2

Thanks for sharing it. I will have to look at it. Hopefully others might find it useful.

3

Thanks for sharing. I am also interested in how you developed a web interface.

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I will try to do that in a separate post. The scope of that project is much bigger.

2 Likes
5

Curious if people found this sheet to be useful? Did it work for you or was it a fail? Did you have to make any edits to make it run? Did I leave anything out?

6

I have not had a chance to go through it yet.

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For me, it is not useful because I do not have sufficient data history. I trimmed much of my balance history to monthly and more importantly, only added certain accounts over the past 1-2 years even though the accounts existed before that. Even using the generic net worth tab, it shows dramatic increases due to adding in those accounts during the last 18 months or so. Finally I am generally more interested in exact cashflow in and out vs networth that is primarily driven by equity valuations. But i think all of what you are doing is very impressive. Just like I use tiller for cash flow analysis, I use a different third-party tool for detailed future projections which certainly includes Montecarlo analysis.

1 Like
8

Fair. Mostly i’m curious to see if anyone got it to run.

9

unable to get the graphs to fill in

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@rhino201 sounds like my setup may not work for everyone. Do you get balances filling colmums B-F below row 20 or is it just a graphing problem?

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There are no balances in those rows

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Bummer. I loaded it up on a fresh tiller sheet before I posted it and it worked for me. Maybe make sure the setup sheet loads up as expected and all the reference cells populate. I’ll double check things when I have a minute, but it might not be for a few days. Sorry it didn’t work for you.

13

I was able to solve the issue by copying some formulas from the sheet you sent. All good and graphs working. Thanks for your help and consider the issue closed !

1 Like
14

Glad it works. Take it easy.

15

Graph not filling in for me either. Can’t figure it out yet.

1 Like