For 5 years I've tracked my finances in Excel because nothing handles my
situation cleanly:
- Schwab + IB (US brokerages)
- UOB-SG (SG bank)
- HSBC-TW + a TW broker
- Coinbase + Maicoin (crypto)
- Cash in USD, TWD, SGD
Every month I'd open the spreadsheet, manually paste prices, redo currency
formulas, accept it would be stale by next month, and move on.
The existing tools all have a problem for my situation:
- **Kubera** ($150/yr) — closest fit, but US-leaning, weak TW/SG support,
plus you hand all your wealth data to a third-party SaaS
- **Empower / Personal Capital** — US-only and they call you to pitch advisory
- **Sharesight** — accounting-heavy, mostly AU/UK
- **Tiller / Mint** — manual templates, not designed for cross-border
So this past weekend I built my own
What it does:
- USD/TWD/SGD toggle with real-time FX
- Real-time prices via GOOGLEFINANCE (no API keys, no rate limits)
- Cost basis + P&L per holding, day Δ in each holding's native currency
- Grouped by account (Schwab-main, IB, UOB-SG, HSBC-TW, Coinbase, etc.)
- Data lives in **my own Google Sheet** — nothing on a third-party server
- Mobile PWA
- $0/mo to run
It works. I've been using it daily.
**Real question for the sub: would you use this if you didn't have to set it
up yourself?**
I'm considering productizing it — sign in with Google, app auto-creates a
Sheet in your Drive, start tracking. The "your data stays in your own Google
account" angle feels like a real wedge vs Kubera.
Specifically curious:
What's your current setup, and what breaks first?
What countries/currencies/accounts would you need?
Would $5/mo be reasonable for unlimited multi-currency tracking *without*
auto-sync? Or is Plaid-style auto-sync a hard requirement for you to pay?
Is "your data stays in your Google Sheet" meaningful, or do you just want
the dashboard to work and not care where data lives?
Not selling anything — this is pure validation. If 50 people here say "yes,
take my money," I'll spend the next month building it for real. If most say
"Kubera works fine" or "I need auto-sync," I'll keep enjoying my personal
dashboard.
Happy to share screenshots, code, or details if anyone's curious.