[Show & Tell] NEW: Offsheets v2.0: A Zero Knowledge Web/iOS/iPadOS App for Tiller Users; Manage, Analyze, and Forecast All In Offsheets

[mu3484343]

This post is a follow-up to the original Offsheets release post, packed with tons of questions, answers, and features explained.

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Hello everyone - I’m excited to announce that we’re releasing Offsheets 2.0 today for web and iOS/iPadOS. After months of feedback and development following the release of 1.0, we have added a significant number of new features and improved upon existing features. In addition, the app has gone through a major redesign for all devices (web, iOS, iPadOS). If you enjoyed v1.0, we think you’re going to really like v2.0. Continue reading to learn more about everything that’s included in the 2.0 release - we’ve included plenty of screenshots to give you an idea of what to expect. Thank you for your time and thank you to current subscribers (monthly and lifetime) for your amazing support and feedback. Best, Matt Jurmann

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Offsheets v2.0

Connect your Tiller-powered Google Sheet to manage and visualize your data in real-time. Designed and optimized for mobile, tablet, and desktop, with equal features and functionality regardless of device or screen size. Offsheets is built from the ground up on a Zero-Knowledge Architecture, which means your financial data is never stored in a database, only in your sheet. We never see it, and we never store it. More information about our privacy policy can be found on our website.

Offsheets unlocks the untapped power of your Tiller Google Sheets spreadsheet by allowing you to effortlessly accomplish four things:

1. Manage your historical data in ways not easily accomplished in your spreadsheet

2. Visualize and analyze your historical data in ways that a spreadsheet cannot do as well

3. Forecast into the future in various ways that a spreadsheet also cannot do easily

4. Stay connected to your finances via a customizable email digest and powerful in-app and email alerts

Check it out here: https://www.offsheets.com/ (14-day trial available. No credit card required. Pricing is available on our website (at the bottom of the home page) in case you want to keep using Offsheets after your 14-day trial has expired.)

1. Manage your historical data

Transactions, Categories, Accounts, Balance History, Budgets, Savings Goals, Debt Payoff Planner, Savings & Debt accounts, & AutoCat — all easily manageable in Offsheets.

Transactions

Offsheets’ Transactions features and functionality will speed up your categorization and transaction management flow in ways you won’t believe.

Edit multiple transactions at the same time across various fields (including custom columns that you add to your Transactions tab).

Add, Edit, Delete, and Split transactions with ease. Offsheets’ split feature in particular helps you protect and manage your split data in ways that a spreadsheet does not.

Search for transactions with simple or complex queries in a highly intuitive way. While going through your transactions, easily peek into the history of any transaction for any date range without disrupting your transaction management flow.

AutoCat and Recurring Items (bills, income) are integrated directly into transaction lists, maximizing the efficiency of managing your transactions. Transaction lists can be viewed in multiple styles on mobile, tablet, and desktop, so you can work with your transactions in the way that suits you best.

Once you start managing your transactions in Offsheets, you won’t want to go back to doing it in a spreadsheet. It will save you countless hours, guaranteed.

Budgets

Budgets (Savings, Monthly, Yearly) are managed in the Plan tab of the Budget section.

Categories can be added, edited, and deleted directly in Offsheets, from the Budget section. While editing a category, you can easily and intuitively manage your budget for that category, via clever ways to mirror and surpass the ease with which you can do it in a spreadsheet.

Tap or click on any category name in the Plan tab’s Income/Expenses/Unbudgeted Expenses sections to quickly access settings related to that category and manage its budget. Savings Budget users are easily able to Adjust their Savings & Budget numbers for any month, which ties directly into the Budget Journal tab (just as the Savings Budget feature does in the spreadsheet).

Accounts

Accounts can be added and deleted (manual accounts) and edited (all accounts) without having to mess with spreadsheet cells. Add, edit, or delete your balance history entries for any account with ease.

Savings Goals / Debt Payoff Planner

Savings Goals & the Debt Payoff Planner can be managed entirely in Offsheets, with full feature parity with the spreadsheet.

Savings and Debt Tracking

Savings and Debt categories (the Track column in the Categories tab) can be viewed and managed in ways that are not natively available in the Tiller Foundation template, with full integration into your budgets, email digest, and other areas of Offsheets.

AutoCat

AutoCat Rules can be fully managed in Offsheets as well, allowing you to add, edit, delete, and reorder rules with ease compared to doing so in the spreadsheet. Description Match and AI Suggest are also fully integrated into transactions, allowing you to easily see if a transaction was Categorized By Rules, Description Match, or AI Suggest.

2. Visualize and analyze your historical data

Offsheets offers several ways to visualize and analyze your historical data.

CSV Exports

CSV exports based on your current view are accessible across all features of the app.

Command Palette

Search via the Command Palette (⌘K, or the ⌘ icon in the header — floating near the footer on your phone) to find anything, instantly, from anywhere in the app.

Analysis and Trends

Use Analysis or Trends to drill down into your historical data via interactive charts and comprehensive breakdown tables. Clicking on the chart bars, dots, lines, etc., or the Breakdown table’s Amount column allows you to drill down into the specific transaction data related to it.

Budget Compare, What-If Scenarios

Offsheets’ Budget feature allows you to compare your budget and actual spending & income data against other historical periods, with powerful insights via the Insights tab. Budget What-If Scenarios allow you to create hypothetical scenarios for your categories against past or future months, giving you powerful insight into what a pay bump or spending increase may do to your budget and cashflow.

Investments History

Investments History allows you to view your investment performance over various time periods via an interactive chart against major indexes like the S&P 500, with the ability to drill down into specific accounts for more granular account performance analysis.

Net Worth History

Net Worth History lets you view your historical net worth via an interactive chart as well — click on any period to pull up the exact account balances and net worth at that time. Compare and track specific Accounts or account Groups in the same way. View and filter your current Balances at a granular and organized level (Assets, Liabilities), similar to the Balances tab in your spreadsheet but with more features.

Overview

Finally, the Overview page allows you to select from over 20 widgets for a quick glance into various areas of your finances. See what you want, where you want, how you want, via the Edit Layout feature, unlocking full customization of your Overview page.

3. Forecast into the future

Forecast

Offsheets offers a number of ways to help you forecast and plan for the future, with sophisticated features like Forecast, which automatically creates Recurring Items (recurring bills, recurring income) based on your historical data.

Exclude auto-detected Recurring Items that aren’t truly recurring, and add manual ones if the auto-detection didn’t pick everything up. Recurring Items combined with your auto-detected discretionary spending (everything excluding your Recurring Items) allow you to see how much money you’re projected to have in specific cash accounts that you select, over time. The Forecast Projections chart gives you a view into when future income or bills are expected to hit, as well as when credit card payments are expected to be made. See how your cash balance across your selected cash accounts changes over time, and set a savings target (with or without a target date).

Create What-If Scenarios, which allow you to see how one-time spending or income events — like a vacation, or ending a specific Recurring Item by a specific date — will impact your cash balance. Switch on the Forecast simulation mode to see how adjustments to your discretionary spending will impact your cash balance over time.

Track and manage your Recurring Items via the Recurring tab in Forecast, with a chronological view of your recurring bills and income. Bills and income in the posting grace period are tagged as such, and items that go past that grace period are flagged as Overdue and brought to your attention via in-app and email alerts (see #4 below).

Investments and Net Worth Simulators

In addition to Forecast, the Investments and Net Worth Simulators project future growth based on current account balances, hypothetical returns, recurring contributions made by you (and your spouse, if married) to 401(k)s, HSAs, taxable brokerage accounts, etc., and other factors that you can adjust to your preference.

The Investments and Net Worth Simulators feature Scenarios (track different variables in parallel to see how different scenarios shake out over time), Goals (create specific goals by certain dates, visualized on the simulator charts), and Life Events (Net Worth only — mark specific finance-related events in the future, like an inheritance, and see how those events may impact your projected Net Worth).

In addition, the Investments and Net Worth Simulators include a Retirement mode, which allows you to visualize how different variables in retirement may impact your finances over time. View one Retirement plan, or compare multiple against each other to see how different variables impact the outcome.

4. Stay connected to your finances

Digest Emails

Offsheets’ Digest Emails feature allows you to get a complete picture of the things that matter to your household finances. Receive Daily or Weekly emails from Offsheets with your latest Transactions, account Balances and Net Worth, the current state of your monthly budget (Savings or Monthly), and Upcoming Bills. Choose whichever of these features you’d like to see, in the order you want to see them. Toggle specific account transaction or balance information on or off, in case there’s information you do or don’t want to see. Lastly, add additional recipients if you wish to share the digest with others.

Alerts

In addition to the email digest, Offsheets offers in-app and email alerts for Uncategorized Transactions, Budget Alerts for over-budget categories (or categories that have spending with no budget), and Overdue Bills. Choose which alerts you want, where you want to see them (in-app, email, or both).

[mu3484343]

Offsheets iOS/iPadOS v2.0 is now live in the Apple App Store. All versions of Offsheets have complete feature parity – anything you can do on a computer with the web version, you can also do on a phone or tablet with the iOS/iPadOS version.

Offsheets v2.0: Web | iOS/iPadOS

Thanks,

Matt

[Evgen]

Seems like mostly a repeat of the Tiller sheets experience. What are the top 3 differentiating factors?

[mu3484343]

Thanks for your question!

I’ve used the spreadsheet with many custom templates (including my own), and I can tell you that it doesn’t come close to the experience in Offsheets. v2.0 has so much more than 1.0 - I don’t even look at the sheet anymore (and I’m someone who used it daily for years). There are more than 3, but if I had to name 3, I’d say:

1. The transaction management flow. The assumption is because the spreadsheet has transactions that you can add, edit, split, and delete that it’s the same thing in Offsheets - a reasonable assumption. But the transaction management flow in the app has been optimized so much that once you use it, you won’t want to mess with the spreadsheet anymore. And you have complete control of your transactions on tablet and mobile - including splits. It’s my favorite part of the app by far and has not only made it easier and faster to go through my weekly transactions, but it’s so much more enjoyable than working in a spreadsheet. AutoCat is integrated directly into it (you won’t get how powerful this is until you try it). Recurring Items (bills/income) (see #3 below) are also built directly into it. Splitting alone in Offsheets is a big upgrade from doing it in the spreadsheet. And the Edit Multiple Transactions feature (which is new in v2.0)… a game changer in the context of speeding up your transaction management flow.

2. The Budget feature is fully functioning compared to Tiller and some of the templates in Tiller (Savings Budget, Savings + Debt tracking, etc)…but you can easily access transactions related to any category at any month/year, which makes it so much faster than working in the spreadsheet. You can also easily manage your budgets with shortcuts built in, which makes it quick and fun to do it without having to mess with cells. Budget Alerts are tied in as well (in-app and email alerts), giving you daily reminders/alerts. Finally, a new feature in v2.0 is the What-If Scenarios. You can create hypothetical scenarios (for Budget or Actuals) that let’s you see what would happen if you spend more or less on a category or had more or less of a budget for a specific category - over a range of months/years, or only for a single month/year. Once you try it, you’ll get how powerful it can be for planning. There’s also an Analyze feature in Budgets that lets you compare two different periods Actuals/Budgets side by side for each category during those periods - seeing the Budget tied in with Actuals on a comparison level is very insightful. Finally, Insights looks at all of your budget data (Savings, Budget, Actual, Available) on a month or year lens and gives you insights into things that are really hard to get from a spreadsheet. Tons of logic went into Insights, and I think it’s extremely helpful. Budgets natively supports Monthly, Savings, and Yearly budget types, all easily interchangeable.

3. Forecast: This is a new feature for v2.0. It looks at historical transactions and auto-generates a list of recurring items (expenses/income) (which you can audit yourself and exclude ones that aren’t truly recurring) - but the level of accuracy not just on the items but on how often they repeat, if they are seasonal, etc…something you just cannot get in a spreadsheet. You can also add your own recurring items, which are integrated in with the auto-generated ones seamlessly. You don’t need to use any external templates with this, either. The auto-generation happens the moment you connect your sheet to Offsheets. Aside from the initial audit of the auto-generated list (to exclude the ones that aren’t actual recurring items, but items that just happened to have a historical pattern), and adding any manual ones that are missing, it’s a very hands off feature. Then, with the recurring items, plus your average discretionary spending over specific periods of time, it projects on a chart your cash balance (based on the cash accounts that you select/want to track) over time. Another feature that you just have to try to “get” its value. The Projections chart also has built in What-If Scenarios so you can see what happens to your cash balance over time after certain events occur (like taking a vacation, buying a nice piece of jewelry, etc). Or Forecast Simulation mode…which lets you simulate changes to your discretionary spending (while keeping your recurring items constant) and seeing how those changes impact your cash balances over time. And then there’s a Calendar view (monthly, weekly, daily) that shows you past transactions but also your future recurring items mapped out with their projected amounts - so you can see which bills/income are coming due at any time. And then the Recurring tab lists all of those recurring items, so you can make changes as needed but also see in a chronological list all over your bills/income projected for the next year or so. Finally, Overdue Bills alerts ties in with this to give you alerts (in-app, email) whenever bills are Overdue, so you can make sure nothing slips through the cracks. Again, some of this you can absolutely do in the spreadsheet, but as a whole, the sheet doesn’t come close to the cumulative abilities of the Forecast feature in my opinion, and as I said, I’ve used both quite a bit.

So there’s 3. I just started from the top of the primary nav and worked my way down, because honestly, each section of the app has value and features that either the sheet doesn’t have, or it just executes the user experience so much better than a spreadsheet can. Again, if you try it, you’ll see what I’m talking about.

[northrop]

Thanks for this!

I’m a lifetime subscriber. Just uploaded the new version (Offsheets 2.0) and look forward to exploring.

The directions say I need to (re)authorize the webhook. Okay.
However, in the “Install the Google Trigger” section – last bullet point reads:

• Change the “Choose which function to run” dropdown to handleSheetChange.

I do not see that option in the dropdown. Instead I have handleSheetEdit.

Is that okay, or do I need to do something to change the wording?

[mu3484343]

Hi, and thank you for your support!

Regarding the webhook - if you had the webhook connected previously, all you need to do is make a small edit in your spreadsheet (you can revert the change a few seconds later), and it will automatically reconnect the webhook for version 2.0. We had to make a few backend changes to the webhook detection which results in all previous webhook users having to do the same thing.

Regarding the handleSheetChange, I recommend quickly updating to this (compared to the previous handleSheetEdit). Both work, but handleSheetChange is better for Offsheets.

1. Copy the updated script on the Settings page

   

2. Go into your linked spreadsheet → Extensions → Apps Script

3. Make sure the Editor icon is selected on the left side. If you don’t have a script created yet (I know that you do, but for other users without the webhook), you can start fresh. You will want to call this script “SyncTrigger”.

4. Remove all of the information in the script box. Paste your copied code (from the Offsheets Settings page) in the editor box (seen below).

   

5. Click Save (disk icon)

6. On the left side, click on the Triggers icon

7. If you have a previous trigger listed that was used for Offsheets, you can remove it.

8. Click + Add Trigger button at the bottom.

9. Make sure your Add Trigger for SyncTrigger form looks exactly like this (the On change is the important part to double check):

   

10. Click Save

11. You may get a pop-up (like before) - just click through those prompts to grant permission. You are the owner/developer of this script, and it’s just warning you that when the webhook “fires”, it communicates and sends data (your spreadsheet updates done in the spreadsheet) to the Offsheets app (that’s what we want) in real time. It also may get blocked by your popup blocker, so be on the lookout for that.

12. Make a quick edit in one cell in your linked spreadsheet, then go back to the Offsheets app. That Webhook banner at the top should be gone, it should show an emerald/green “Webhook Established” box on the Settings page, and the webhook should be active with the updated handleSheetChange function.

    

Let me know if you have any issues!

[Evgen]

Interesting. Just reading through this list of 3 was overwhelming.
#1 - I don’t bother with splits anymore, except maybe Amazon subscribe purchases. Others, like Costco, require going through receipts. I may just guesstimate, copy-paste a row and change amounts and categories. Easy. This happens maybe once a month.
#2 - the only thing I dislike about Tiller budgets is that some payments, like property taxes, happen 1-2 times a year, so twice it would look over budget, and other months below. I added averages and the actual spending % in the Year Budget sheet, and that covers everything. I don’t see how other things described here are useful. Overall, budget doesn’t work for me. I just look at spending and mark the monthly average as budget. I can’t control the expenses much. We try to spend less, and that’s it. Not trying to fit into an arbitrary budget as our income is not very predictable either.
#3 - I don’t see how Forecast can be useful. Most major expenses aren’t recurring. Past averages are the best guide I can have.
Maybe I am an unusual case.

[mu3484343]

That’s ok, it’s not for everyone, just like Tiller is not for everyone. Have a wonderful day!

[HH22]

I noticed this when I was in Offsheets earlier today. I went through the instructions but am still getting the message that “Real Time Sync is Off” displayed in Offsheets. However, when I make a change to my Google Sheet, the change shows up in Offsheets (without a manual sync). So, either the message is in error or I did something wrong when being forced to set up the Webhook/Google Sync trigger again.

[mu3484343]

I just sent you a DM.

[HH22]

Thanks. I’ll reply here in case others are experiencing the same. I continued to re-establish and, after the fourth or fifth attempt (over a ~30 minute span), Offsheets recognized the webhook/trigger once again and the associated messages disappeared from within Offsheets. In retrospect, making a small edit to the existing/functioning webhook would probably have been the easiest way to accomplish.

[kennyr35]

I am trying to use the forecast tab but when I go to select my accounts, the buttons aren’t clickable. What am I missing?

[mu3484343]

For the Forecast tab, you can only select cash accounts like Checking or Savings.

[kennyr35]

I am attempting to select those accounts, but the dropdown won’t let me. Do I need to flag the accounts somewhere in my tiller data?

Update: I figured it out. They were being pulled into the investments tab. I had to use the accounts sheet and categorize the investments there to exclude my cash accounts.

[mu3484343]

Please check your DM. Thanks!

[PCB]

Looking forward to use it, looks great! Can the forecasted transactions be presented in a list view for the month as well as the calendar view?

[mu3484343]

That’s great to hear! Yes, you can see all of your Recurring Items on the Recurring tab in Forecast. It goes out as far as a year (give or take)! The Calendar tab let’s you see the monthly view (which shows a smaller preview of the transactions) or the weekly/daily Calendar view which shows you all of the past/recurring items in a list view for that week/day.

[jarrettsorensen]

This looks really cool. I’m just concerned about it corrupting the data in my sheets. How do you go about making sure that you’re updating the right rows and that you won’t overwrite data in another row. I saw something in one of the screenshots about an ID, but what if the transaction ID from tiller is blank on that row?

[mu3484343]

Great question — this was the thing I was most concerned about building, since it’s my own Tiller sheet too. I’m extremely cautious about the accuracy of my data — without accurate/uncorrupted data, what’s the point in taking the time to maintain it?

Offsheets has a number of layers of protection when it comes to the core data types from a Tiller Google Sheet:

1. Offsheets never trusts a remembered row number. Right before any edit or delete, it does a fresh read of your sheet’s Transaction ID column and re-locates the row by its ID at that moment. So if Tiller filled new rows above it, or you sorted the sheet, the write follows the ID to wherever the row moved. This has been tested thoroughly, and is ALWAYS tested prior to a new update/release. It’s step 1 of our pre-release test to make sure the basic functions of the app work as intended. The same thing applies to adding, deleting, and splitting transactions in Offsheets.

2. It fails closed, never guesses. If the ID can’t be found (row was deleted or changed elsewhere), or if multiple rows somehow share the same ID and it can’t tell which one you meant, the edit is canceled with a message and the app re-syncs. It will refuse to write rather than write to the wrong row. This is a core feature.

3. Blank Transaction IDs are handled with a content match. For rows with no ID, it reads the Date, Description, and Amount columns fresh from the sheet and only writes if it finds a row that exactly matches all three (preferring the exact position you acted on if there are identical duplicates). Zero matches → the edit is canceled, same as above.

4. Writes are surgical. An edit only touches the specific cells that changed (e.g. just the Category cell of that one row) — it never rewrites ranges or neighboring rows, and columns Offsheets doesn’t know about are left untouched.

5. There’s a Data Conflict protection feature that will prohibit you from editing any feature that can write to your sheet when a sync is occurring (if, for example, Tiller Direct Fills is in the process of filling your sheet, or someone else is editing your sheet on a different device). Not only does it block you until the sync is done, but if you’re already in the middle of making the edit, it will halt the edit and force you to re-sync and then restart that task once the sync is completed. If you happen to make an edit when a sync is just starting (rare, but it can happen), Offsheets is also built to merge the data seamlessly. That feature was also tested thoroughly, and is tested before any new build goes out.

6. There’s also a built-in Transaction ID health check that flags duplicate or blank IDs in your sheet so you can see them (if you have them, you will see a banner at the top of your Transactions page with instructions on how to manage it), and an optional one-click “Stamp Unique IDs” that assigns a unique ID to every blank row — but that only runs if you explicitly click it; Offsheets never modifies the Transaction ID column on its own otherwise. You can find the Transaction ID Health feature under Settings → Transaction ID Health.

Of all the features in Offsheets, the ones I trust most are the ones that write to the Transactions, Categories, Accounts, and Balance History tabs. Those are the core parts of Tiller that all other tabs rely on for accuracy, and they are tested thoroughly. I use Offsheets daily with my own live master sheet, and I trust these core features just as I would trust doing it in the sheet itself — but Offsheets does so much more than the sheet can do, which is why I never do it in the sheet anymore.

One more thing - if you’re still concerned or hesitant after reading this, the best way you can see how safe it is to work in Offsheets is to make a copy of your current live sheet, use that spreadsheet in Offsheets (the Settings page is where you can change a spreadsheet if you already have one linked), and run some tests by making changes in Offsheets to see how it translates into changes in your own (backup) sheet. That way, you’re risking nothing since it’s a throw away sheet, but you’re gaining confidence in seeing it work firsthand. That’s essentially how I trust the data with my own live sheet - tons of testing on throw away data! And if you’re like to see changes that are made in the linked throw away sheet translate into real time updates in Offsheets, connect the Webhook (directions on the Settings page, too).

Again — great question. My answer was long, but details matter here. Thank you for asking.

[jarrettsorensen]

I really appreciate the detailed explanation! I’ve found that editing the transactions from the Tiller Transactions page can sometimes be a little slow depending on a few factors. How do you optimize the process to re-locate a row and update it in your sheet so you’re not spending a lot of time waiting for updates to happen? I understand tech stuff, so you can get into details here