I have some Sheets that I use either monthly, quarterly, or annually that I figured I'd pass along just in case they help someone out. Each sheet has a tab at the front that explains what the different tabs show and how to use the sheet. Please be sure to open the sheet when logged in to your Google account and go to File then Make a Copy in order to edit the sheet. DO NOT request to edit the form as the Google account associated with these is not monitored so I won't get the request.
First is my monthly budget sheet that I've been using since 2017 and it's been through different variations from when I originally found it online, and now it's a completely different animal and unrecognizable from where it started. The main page is your typical annual budget with columns for the months and a bunch of categories and sub categories for ease of keeping track. There is also a neat page of graphs that show various spending habits to give a nice visual of your budget. The page to record credit card charges is optional and isn't tied to the budget or charts, but it helps me keep track and categorize my charges. I'm happy to say that by using this (and disregarding my cash-out refinance and home renovations, which netted to nearly $0), my 2021 budget was just about spot on with about +$300/mo. in income and +$300/mo. in expenses.
Second which I update annually is my retirement calculator. I originally shared this one to this sub about 3 years ago and after a few minor changes and tweaks, I feel like it's a solid spreadsheet for calculating your retirement savings. You simply fill in the orange boxes at the top, and the sheet auto fills with the various calculations. As I mention in my information tab, this is a fairly basic spreadsheet so variables such as taxes, or being born prior to 1954 (change in SS income), are not factored in. I also found information from the SSA about a reduction in SSI which I did factor in, even though I don't think it's considered "official" yet and only a forecast by the SSA.
Third which I update quarterly is my 401k and IRA ROI analysis, which really helps put into perspective compounding interest, and the benefit of employer matches and investing early and often. This one is also fairly basic as you simply put in your contributions, employer match (for 401k only), the gain/loss on the quarter/year, and any other changes during the period (fees, reinvested dividends, etc.) and it does a few calculations to show your return on investment using various inputs and calculations. I also included graphs for each of the 401k and IRA tabs that give a nice visual of your savings. I really like the graphs as not only do they show your total investment, but it breaks it down so you can see from where the total balance is made up.
Last up is my net worth tracker which I also update annually. This is about as simple as you can get and I probably could have used any of the thousands online, but I figured since I am messing with my other sheets at the same time, I may as well whip something up to track my net worth as well. Like most net worth spreadsheets, you simply enter in all your assets and liabilities, and it takes the difference to show your net worth. I added a graph below the input area for a nice visual overview over the years.
If you have any questions, or if you found any issues, let me know.
Submitted January 14, 2022 at 08:52AM by IAM_14U2NV https://ift.tt/3Knn0of
