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Fetching latest data from your Google Sheet…
Net Worth
Net worth over time
Solid line shows recorded snapshots. Dashed line is the fitted trend, projected two months forward.
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Growth snapshot
Calculated from every audited snapshot. Hover a figure for details.
What it's made of
Latest account balances, converted to AUD.
Saving your first million
Net worth to date, with a projected path to $1,000,000 based on an assumed annual return and ongoing contributions. Defaults are derived from your own return and savings history — adjust either assumption below.
Savings rate by period
Savings as a share of income, per audit period. Green bars indicate net saving; red bars indicate net spending.
Savings vs. Expenses
Savings per dollar spent, for the same periods above.
Income
Weekly income
Weekly take-home pay. Cumulative line resets each 1 July for the Australian financial year.
Where your gross pay goes
Take-home pay, tax withheld, and super contributions as a share of gross pay, summed across all recorded periods.
Cash in vs. market movement
Portfolio change per period, split into new contributions and market movement.
Income diversification
Total recorded gross pay by employer, all time.
Income by employer over time
Gross pay by employer, from the earliest recorded pay slip.
Income vs. expenses
Income and expenses per recorded period, shown side by side.
Where your money goes
Income split into spending and saving, and how much of that saving was invested versus held as cash or super.
Investments
Performance at a glance
Portfolio value vs. contributions
Solid line is current holdings' market value by day. Dashed line is capital actually put into those holdings (buys minus sell proceeds), scoped to exclude tickers since sold off. The brief drop to $0 around 24 Jun–1 Jul is accurate: GGBL, SEMI, and GNDQ were sold within days of each other during the portfolio restructure, before the replacement holdings were bought.
Time-weighted return
Time-weighted return chains together day-to-day price performance and excludes contributions, so cash added or withdrawn never moves this number — only the holdings' actual performance does. Dashed lines are benchmark indices, rebased to 0% from the same start date.
Money-weighted return
Modified Dietz return from portfolio inception, tracked daily from the same market values as Time-weighted Return. This measure accounts for contribution timing — it answers how the portfolio has actually grown, not how the investments performed — so cash flows do move this number, unlike Time-weighted Return.
Portfolio allocation
By holding.
Unrealised P&L by holding
Computed live from portfolio activity and current prices.
Cost basis vs. current value
Cost basis versus current value, by sleeve.
Holdings
Individual positions, sorted by portfolio weight.
Ticker
Wt
Value
Day$
Day%
P&L$
P&L%
Target weightings
Edit each ETF's target allocation directly in the table. Defaults to equal weight until set.
Variance: %New money: $
Ticker
Current
Target
Variance
Action
Recent activity
Transactions recorded in Portfolio Activity.
Date
Type
Symbol
Amount
Portfolio map
Every position, sized by portfolio weight and colored by unrealised P&L%.
Data is fetched live from the Google Sheet's Net Worth, Income, Savings Rate, Portfolio, and Portfolio Activity tabs on each page load; growth, drawdown, trend, and cost-basis figures are calculated in-browser from those raw values. If a chart looks off, check the browser console for details — it usually means the sheet's column layout changed.