Customizing Your Spreadsheet

Spreadsheet Structure

When you download your spreadsheet, it is password-encrypted using the password you provided. Once decrypted and opened in Excel or LibreOffice, you'll see two types of sheets:

• Date-Named Worksheet (e.g. 20260731): The visual Net Worth report displaying asset/liability breakdowns, account details, totals, and changes from prior periods.
• Class Summaries (e.g. 20260731-Classes): An optional sheet summarizing your assets by customized classes (e.g., Cash, Brokerage, Retirement) and group headers.
• The _Config Worksheet: A configuration tab containing the raw parameters, classifications, and mapping rules that power our compiler. Do not rename this sheet or change its layout, as the system parses this tab to process updates.

1. Global Configuration

This section controls global options. Modify the values in the Value column to toggle worksheets and settings:

• Class Summaries Worksheet: Set to 1 to generate the Class Summaries sheet in a separate tab, or 0 to omit it.
• Unclassified Category Name: The fallback group name for accounts that don't match any classification defaults (defaults to Unclassified).
• Manual Account Highlight Color: The HEX color code used to highlight manually entered accounts in the reports (e.g. #FFF9d8).

2. Class 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.

3. Connected 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 Retirement-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.

4. Manual 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:

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

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 Spreadsheet form.
4. Enter your decryption password and click Process Spreadsheet.
5. The application will contact SimpleFIN to get the latest balances, merge them with your settings, and download an updated, encrypted Excel file back to you.