Spending and Income Dashboards for Mint Trends Lovers

I don’t think that’s true in the year/year comparison which is the case in question. Right now for example it’s comparing 1/29/23 -1/31/23 to 1/29/22-1/31/22 in the first January comparison.

I made it so you couldn’t compare to the prior period in these non-month-aligned time periods because that gets you into the case you are talking about where dissimilar parts of the month are being compared.

Thank you @cps … I may look into importing it to Excel if i feel brave! :wink:

Alright everyone! I’m publishing v 3.5 of this sheet with some bug fixes, feature requests, and exciting new updates!

V 3.5 Includes:

  • NEW! On the Spending/Income over time graphs you can now see transactions from both the current and prior comparison period.

  • NEW! For those of you who asked for the ability to change the “Description” to use “Merchant” now you can! I’ve made all column names configurable via a hidden tab called Config Keys. Just change the value for the key TXN_DESC from Description to Merchant and everything should update. You can also change other column names here as well.

  • NEW! Post-Retirement Budget Tracker. A tab designed for budgeting in a post-retirement phase, where your budget is mostly set by your investable assets and a withdrawal rate. This new tab will will look at your current assets, your desired withdrawal rate, any additional income you make in the year, and then help you track spending vs. your budget. I’ve included some parameters to let you configure this, but this is obviously a deep area. What I have works for me, but would love requests on other things that would be useful to add.

  • NEW! Simple Annual Budget Tracker. I’m not a big budgeter, and the stuff built into Tiller is way over the top in terms of level of detail for me. This lets you set an annual budget, and a few particular categories or groups you want to pay attention to managing. Then you can see spending vs. where you “should” be on an annualized basis, and the remaining $$ you have to spend against your annual budget. I’m sure some folks will want more detail but this works for me so I thought I’d share.

  • Fixed chart labels on spending/income Y/Y comparison graph (they were reversed).

  • Fixed issues where tags would appear selected when they weren’t.

  • Made improvements to Net Worth Over Time to handle larger histories better. This is now generated to align with your selected dates (instead of all time) and I think should work to show any 54 periods (e.g., all weeks in a single year, or months over a 4 year period, or 50 years of data). The max is configurable via Config Keys (more below). I tried a bunch of things to make this faster but bumping into Google Sheets limits here unfortunately. At least it shouldn’t totally crap out now!

  • Edits to make the “Filters applied” a little more focused so it’s harder to miss.

1 Like

Thank you for the ability to change “Description” to (in my case) “Payee”. Now I don’t have to do a ton of modifications to use a new version!
Jim

1 Like

Thanks for the update Carl! :sunglasses:

All the various tabs seem to load with proper defaults quite nicely for me!

And thanks for sharing your budget trackers! I have to take a little time to play with them - they look useful for my use case.

Glad to hear!

Yeah let me know what you think on the budgeting side. None of the budgeting tools I have found are really designed for taking investment drawdowns into account.

Just posted v 3.6 with a budget forecasting tool I was working on yesterday. It lets you project assets/income/expenses forward but modify the baseline projection with changes like buying/selling a house, quitting your job / getting a new job, increased medical expenses, etc.

I’ve called this a “post retirement” forecaster since it assumes that investment returns are available to spend in an annual budget (in addition to income) but I’m not really sure that’s the right name. I’d be curious if this is useful to others in different life phases, perhaps with a setting to turn off investment assets contributing to your budget.

In any case, would love to get any feedback on these new tools!

Just posted v3.7 with some updates to the budget forecasting tool.

V 3.7 Includes:

  • Toggle to show future assets/income/spending in Real or Nominal Dollars
  • Options to forecast a fixed investment growth rate (how it worked before) or to do a monte carlo simulation and choose 10th/25th/50th/75th/100th percentile or “Best first 5 years” / “Worst first 5 years” scenarios to use. Requires a mean (average) and standard deviation for your asset class, which you can get from portfoliovizualizer, or I found this bogleheads resource helpful: Simba's backtesting spreadsheet - Bogleheads

this is such a minor request but I’ve changed it manually in each version so I figured I’d mention it: on the dashboard there is a graph for net income over time, repeated on the tab Net Income over Time. The colors for income and spending are reversed between the two charts, preventing the chart from being interpreted at a glance without checking the legend first. Any way you can make them consistent in a future update?

Thanks for flagging! Will fix in the next update.

This is amazing, thank you! One issue, and it might just be me - but I have a lot of future transactions in my transaction tab to account for upcoming paychecks and things where I know what the amount is going to be. On the Dashboard, under the Top Transaction in the month, it is pulling in these future transactions. Is there a way to limit this so it truly just shows the previous month?

Interesting, I never considered future transactions!

The query for this is just transactions in the last month, but it’s not filtering to “less than” today. If you add that to CA68 it should fix it; I’m happy to add that in the next version as well.

These dashboards look really great but I had to rename a column in the transaction spreadsheet.

I made a copy of V3.7, changed the URL to the URL of my foundation spreadsheet/transaction tab… saw the import process, provided permissions and it says “Imported Successfully” - but all of the dashboard were blank.

If I look at Column T, row 1 says “Transaction Accounts” but row 2 says “#N/A” with an error “Did not find value ACCOUNT in match evaluation”

I guessed renaming the column “Account” to “ACCOUNT” would work, and it does - but is this going to be a problem with other spreadsheets?

Sorry for the newbie question, I am fairly new to Google Sheets, I’ve used Excel most of my career.

You shouldn’t have had to do that. Depending on how much data you have, these dashboards can take a bit of time to populate, and you’ll have a few moments of, “Why is this blank? What did I do wrong?” before the data fills in. I wonder if the moment you renamed the column was coincidental to when the data filled. Have you tried changing the name back to see if that breaks anything?

I waited about 10 mins and I don’t have much data (a few thousand transactions) - the Import Completed message had been there for a long time. However you’re right that changing it back to “Account” didn’t break it, the dashboard is still there. It seems like it needed some event or change to trigger.

Yeah it seems sometimes Google sheets gets stuck in a dependency loop on that first import. Usually it will fix itself, but sometimes you need to kick it by making a trivial edit to one of the formulas on the imported hidden tabs (the grey colored ones) and then change it back again.

I’m trying to figure out if there is anything I can do to prevent this as it only seems to happen on the first import (when you change the URL to point at your data). I’ve found it works slightly better if you first delete the URL to the sample data. Wait a few minutes and then replace it with your own.

2 Likes

The template is broken with the latest Tiller Foundation Model. The Merchant column is not there in the transactions sheet and I had to insert it to get this to work.

The Merchant column isn’t a separate column on the Transactions sheet. The Merchant column is pulled from the Description column on the Transaction sheet.

It looks like it is a separate column.

Top portion of Config Keys sheet:
image

Interesting. I missed that update! But, still, by default, the Merchant column pulls from Description on the Transactions sheet, right? That’s what it is on my dashboard, and I haven’t changed anything.