Personal Finance Overview

[esben]

Hello,

First time writing here. I've been a long-time reader, and have also had the pleasure of getting a coaching session with Ben a while back.
It's all helped to get me started out with iDeCo, insurance, cash-savings and in a little while tsumitate-NISA too.

All that has gotten me wondering though, what is everyone doing to keep track of their diversified investments and holdings?

I'm putting together a google sheet from scratch, just to have an overview answer to the question, how much money do I/we have, and what does various projections look like. But if anyone is already using a great app or sheet-layout, I'd love to know.

Thanks!

[RetireJapan]

Welcome to the forum! It's nice to hear you are making progress

I just have a Google sheet I update every month. I have to log into our various accounts manually, but it only takes 20-30 minutes and I kind of enjoy the process. Filling in the sheet also reminds me to make various transfers, etc.

[Quinoa]

YNAB for me just to keep track of everything on a day-to-day basis (wallet, Suica, credit cards, US investment account), and then a separate spreadsheet just to keep track of percentage allocations in the investment account.

[Kanto]

YNAB for me just to keep track of everything on a day-to-day basis (wallet, Suica, credit cards, US investment account), and then a separate spreadsheet just to keep track of percentage allocations in the investment account.

This is a great solution, and it has bilingual support.

https://getmoneytree.com/jp

[esben]

Thank you for the quick replies.

- I'll give YNAB a swirl for a month. I've tried MoneyTree but I didn't feel it really helped with budgeting efforts so much. It was/is a great way to get an overview of multiple accounts though for sure.

- RetireJapan, do you per chance have a template for the Google Sheet you're using?

[RetireJapan]

Sadly it is just a sheet with account names: I type the balance into it each month

[FIRE-Rookie]

MoneyTree has a golden chance in this market if they gear their functions to "budgeting" aspect a bit. They could be the new YNAB of Japan.

Like everyone else, I use an excel to budget my spending and track most of the spends on MoneyTree though I wish I can automate the process entirely have I got some proper budgeting appl.

[Quinoa]

Personally, I'm a fan of YNAB not automatically logging transactions from my accounts, since it forces me to do everything manually and be more cognizant of my purchases. Love the mobile experience, and have never had issues syncing between mobile and desktop. Being locked into the old $35 annual rate also helps.

[adamu]

Being locked into the old $35 annual rate also helps.

I use YNAB 4, which was a one-off fee. It's a shame they transitioned to a subscription model, but it was obviously much more profitable.