Your family spreadsheet works — until it quietly doesn't

Sheets taught a generation of Indian investors to think in allocations and XIRRs. They are free, infinitely flexible, private by default, and there is no vendor who can change pricing or shut down. If your portfolio is small and you love the Sunday ritual, none of what follows is an emergency. The problems arrive with scale — more members, more account types, more time between updates.

• The refresh tax. NAVs, stock prices, gold rates and FX move daily; every manual copy-paste is unpaid data-entry work that silently stops happening within months.
• No memory. Sheets store the latest state, not yesterday's. Net worth trend, drawdowns and "what changed since June" require building a time series by hand — the part almost nobody maintains.
• Single-player design. Shared-sheet editing means overwriting formulas; a spouse viewing means sending screenshots. Families are multi-user by definition.
• Silent formula rot. One dragged reference or deleted row and the XIRR lies confidently. Errors compound exactly like capital, just downward.
• Zero context switching. EPF lives on the EPFO portal, NPS on CRA, funds on CAS — the sheet integrates none of them, so integration happens in your head.

• Live valuation. Fund NAVs and stock prices flow in automatically; Zerodha Kite syncs holdings on Pro without re-entry.
• Daily snapshots. Every day closes with an immutable net worth point — trend charts become a query, not a project.
• Family-native structure. Each member owns their entries; the household view aggregates them; access stays controlled per person.
• Scheme-aware instruments. EPF, PPF, NPS, FDs, SGBs and loans are modelled with their own logic instead of six custom columns arguing about conventions.

Export your sheet rows to CSV, import them as holdings, verify totals against your last manual calculation, then freeze the file as an archive. From the next day, valuations maintain themselves and your monthly review shrinks from ninety minutes of collection to five minutes of reading. Start at the net worth tracker or go straight to the free signup.