Customizing Your Spreadsheet

Spreadsheet Structure

Your downloaded spreadsheet workbook is encrypted with the password you provided. When opened in Excel or LibreOffice, you'll see these worksheets:

• The _Config Worksheet: ✏️ This is where you make all your setup changes. It contains your parameters, classifications, and mapping rules that EZWorth will follow. Do not rename this sheet or change its layout. Details on how to use each section are provided below.
• Date-Named Net Worth: The Net Worth report displaying asset/liability breakdowns, account details and balances.
• Date-Named Class Summaries: A sheet summarizing accounts by classes (e.g., Cash, Brokerage, Retirement). Optionally, this information can instead be placed at the bottom of the Net Worth report, by setting a flag near the top of the _Config worksheet.

The instructions that follow describe the sections of the _Config worksheet and how to use them to customize your EZWorth spreadsheets.

1Global Configuration

This section controls global options. Set items per your preferences in the Setting Value column:

• SimpleFIN ACCESS_URL: The encrypted SimpleFIN Access URL assigned from your account to EZWorth. Do not edit this value as doing so will break EZWorth's ability to communicate with SimpleFIN.
• Class Summaries Worksheet: Set to 1 to generate separate Class Summaries sheets or 0 to place them at the bottom of the Net Worth sheets.
• Unclassified Category Name: The fallback classification for accounts that don't match any of the category patterns defined in section 2.
• Manual Account Highlight Color: A hex color code used to highlight manually entered accounts in the reports (e.g. #FFF9d8).

Example:

2Class Defaults & Portfolio Analysis Groups

Class Defaults map your SimpleFIN categories to high-level portfolio classes (like "Cash", "Brokerage", "Real Estate", or "Liabilities") automatically using wildcards:

• The default pattern ASSETS/Banking maps accounts under the SimpleFIN banking category to Cash.
• The default pattern LIABILITIES/* maps all liabilities to Liabilities.

Portfolio Analysis Groups cluster those classes into higher-level groups on the Class Summaries worksheet:

• You can create a group named Liquid Assets and include Cash and Brokerage classes in columns 1 to 5.

Example:

3Connected Accounts

This table lists all accounts found in your SimpleFIN connection. You can modify settings for individual accounts here:

• Class Override: Override the default class matching rules for this specific account. E.g. classify a specific investment account as Ret-Roth.
• Background Color: Assign a custom HEX highlight color to this account's row in the report.
• Action: Set to ignore to exclude this account entirely from your net worth calculations and reports.
• Note: Add reminders or labels to the account.

Example:

4Manual Accounts

For accounts and physical assets not linked via SimpleFIN (such as your home value, vehicles, precious metals, or private equity investments), list them here to track them seamlessly side-by-side with your online accounts:

For accounts and physical assets not linked via SimpleFIN (such as your home value, vehicles, precious metals, or private equity), list them in the Manual Accounts table. To add items, simply type into a blank row at the bottom of the table. You can add as many rows as you need.

• Category / Subcategory: Categorize the asset (e.g. ASSETS/Real Estate or LIABILITIES/Loans).
• Current Balance: Type the latest dollar value of the asset.
• Class / Background Color / Note: Highlight and group manual entries exactly like connected accounts.

Example:

How to Sync & Update

Once you are happy with your _Config settings, keeping your net worth up-to-date is a breeze:

1. Save and close the customized Excel sheet on your computer.
2. Go to the EZWorth Dashboard.
3. Upload your spreadsheet in the Update Existing Spreadsheet form.
4. Enter your spreadsheet password and click Process Spreadsheet.
5. EZWorth will query SimpleFIN for the latest balances, merge them with your settings, and download an updated, encrypted Excel file back to you.