This repository stores scripts that I use for my personal finance needs - they are part of a bigger project that I started in 2021 and is currently implemented on Google Sheets.
If you want to run the script locally, including installation
of all dependencies, you can create and activate virtual env and install
all necessary libraries: ./setup.sh
Then run one of the main CLI scripts on the top-directory level.
Each of them implements parameter --help.
The goal of most of the scripts in this repository is to process and reshape the reports exported from a brokerage accounts I use into a consumable way that could be imported into the main tool, the Personal Finance Google Sheet (see below). This tool is driven by a few input sheets; the most important one is called Transactions and most of the calculations are based on it.
My typical flow is the following:
-
Log into each brokerage account I use and manually export activity statements from recent time period.
-
Run the script
statement_runner.pyand provide the statements exported from the previous step. -
Copy-paste resulting data from the previous step into the main tool's sheet Transactions.
Scripts implemented in this repository load, re-shape and enhance the data into a way that it's consumable by the main tool. The input data is always a directory with the report statement(s), manually exported directly from a given platform. It's usually one or more CSV files per brokerage/platform.
Supported platforms:
- Coinbase
- Coinbase Pro
- IBKR (todo generate reports again! check STOR from 2021 and CDR dividends from 2021-06-08)
- Revolut
The motivation here is to have a unified view on an individual's personal finances using a tool that is fully open-sourced, free, and doesn't establish a direct connection to your brokerage systems.
This functionality is especially useful if you use multiple brokers/platforms and your portfolio is diversified across many asset categories such as stocks, crypto, gold, cash reserves, etc. Furthermore, it supports many practical features, but more on that later.
In 2020, I come across a book titled The Richest Man in Babylon (by George S. Clason) and it blew my mind. Later that year, I told myself that I have to start investing and take personal finances more seriously. Next year I bought a lots of books and started educating myself during evenings and weekends. You can find some of my notes from this journey here.
Anyway, as I actually started with investing on the capital markets and my portfolio was more and more diversified across many asset classes, brokerages and platforms, I wanted to have a centralized way for viewing the overall portfolio. I was looking for something open-sourced, free & community driven, with certain features I wanted. I couldn't find a product that would fully satisfy me so I created a solution myself, tailored to my own needs.
It's just a Google Sheets document (for now, maybe I'll rewrite it to something more robust), publicly available here. Feel free to use it.
It's primarily driven by transactions (i.e. Buy, Sell, Dividends, Fees, Stock Split). I was manually entering all individual transactions, in the past, but I wanted to automate this - ideally, without a direct API access to the brokerage system. I wanted this to be completely isolated from my accounts.
The tool has a couple of sheets. Some of them are presented below in the screens. Half of the sheets represent user inputs, and the other half contain individual calculations and pivot tables that are updated automatically based on the input data or various portals / finance APIs.
A user provides a set of inputs about his age, net worth, expected cash flow from the monthly salary, expected and desired expenses, expected inflation rate, and a few others, and the tool will project his future net worth and year when he will be financially independent.
Other features include portfolio tracking through a lot of graphs and tables, portfolio comparison against benchmarks (e.g. ETFs representing an index, such as S&P500 or QQQ), dividend tracker, and much more. All world currencies are supported.
See a few screenshots of the whole project below.
An example of net worth assumptions, tracking, and future projection
An example of securities & crypto tracking
Most of the calculations are driven by a transaction log
If you found this interesting, don't hesitate to reach out here: laco.sulak@gmail.com.