20231108 update (version 25):
Revamped EPF input:
- [Income]*: EPF by employer/employees rows, they are automatically added to [Investment].
- [Investment]* added EPF, automatically extract from [Income] and can deposit/withdraw more. Note: Upgrade does not automatically add these new rows, so you must add them yourself according to the template.
- [Income Tax - Insurance]: removed support for EPF.
- [Income Tax - Relief]: replaced EPF with extraction from [Investment], just like PRS.
Notes:
- *Upgrade does not automatically add these new rows, so you must add them yourself according to the template.
- As per existing behaviour, new investment rows will be reflected in [Net Worth Summary] automatically, but you will need to shift your rows accordingly.
- Tip: for private sector workers receiving monthly EPF, you might want to revise your target saving/investment %, because inclusion of EPF will increase your percentage considerably.

Updated sheets:
1. [Upgrade] "To" column now refers to template instead, so that every upgrade, there would be a snapshot of the previous version's cell as "From". This will take effect moving forward.
2. [Summary] Formatting, and swapped column A to T - ensure A29 is migrated to T29 in Upgrade sheet.
3. [Net Worth Summary] Fixed formula.

Updated scripts:
- CustomFunctions: new script containing custom functions built for use.
- Upgrade: updated formula refresh script reflecting EPF update.

Known issues: force refresh step during upgrade removes non-formula cell values. Please copy from the backup sheets to get the values back.

20241102 update (version 26):
- Updated based on LHDN table for YA 2023: https://www.hasil.gov.my/en/individual/indi...me/tax-reliefs/ <-- I actually did this half a year ago but I wanted to add more changes but totally dropped the ball
- Added formatting on input sheets to automatically mark formula cells.
- Minor aesthetics (URL to chips)
- [NonEssentials]*: new "Allowance" above Buy list for better visibility on purchasing power.
Notes:
- *Upgrade does not automatically add these new rows, so you must add them yourself according to the template.

Macros:
- Added JYeneral library, my personal collection of common scripts.

Known issues:
- force refresh step during upgrade removes non-formula cell values. Please copy from the backup sheets to get the values back.
- "clear data" function currently does not clear all data from the template cleanly. You will need to fix the rest manually.

Keep up the good work!

20241215 update (version 27):
New:
1. [Template] contains sections available for copy to the input sheets and EF. List of templates below - more details refer to sheet:
- Default
- Default (adv) - contains advanced formula that helps prefill weekly, monthly, bimonthly or quarterly rows.
- Emergency funds
- Essentials
- Non-essentials
- Income
- Investment
- Travel
- Subsection

Updates:
1. [Setup]: updated Legend to reflect templates.
2. [Upgrade]: "To" column formula is now individualised per row.
3. Input sheets:
- removed redundant <Template> section as they are now in the [Template] sheet.
- sample data overhauled to use latest templates.
4. [EF]: removed redundant rows including <Template> section and empty rows as they are now in the [Template] sheet.

Macros:
- Adjusted macro list and shortcuts
- Refactored across all files
- Updated [Clear all data]: fixed and improved to support clearing to base state. Additionally, some template sections are added to help pre-fill the sheets.
- New [Input sheet: new section]: user to fill in name of template to add, which adds a section based on a match in [Template] or otherwise default.
- New [EF: new section]: adds a new EF section based on [Template].
- JYeneral library updated to enable adding sections based on a template.
- New file - Templates, Util

Note: I recommend starting from template for the new year to enjoy the new look and feel. Otherwise, upgrading existing sheet will require additional adjustments.

Known issues:
- force refresh step during upgrade removes non-formula cell values. Please copy from the backup sheets to get the values back.

20241231 update (version 28):
Updates:
1. [Setup]:
- new configuration "Target saving: exclude fixed investments?", default TRUE because it is more intuitive to exclude non-take-home pay e.g. EPF mandatory contributions to set targets.
- Dec Year-1 ending balance: updated formula
2. [Income]:
- "Fixed income" is now known as "Definite income".
- New section "Fixed investment" that is excluded from target investment calculation by default (configurable).
3. [Summary]:
- Added Income subsection and adjusted charts accordingly.
- Adjusted formulas relating to investment calculations, including buying power, investment target etc.
- Shifted non-essentials section above investment.
- DR/CR weightage is now always aligned left so it is more intuitive to see how CR overlaps against DR.
4. [Template]:
- Removed excessive notes and shifted note guidance to the input cell.
- Added more categories to some sections.
5. Input sheets: updated same data to reflect latest template.
6. [Upgrade]: "target saving" T29 shifted to T30.

Known issues:
- force refresh step during upgrade removes non-formula cell values. Please copy from the backup sheets to get the values back.


Author's note: I found myself disliking the excessive notes in Templates and that I struggled to talk to others telling my % savings when my sheet takes account of the EPF mandatory investment that is not take-home pay - nobody really looks at that when trying to figure out how much to save (say, the common 50/30/20 rule), but it makes sense to take account of them as a whole especially when evaluating your overall income in case you want to change job, and/or investment values to assess your net worth.

Happy new year and may you ever be financially wiser for 2025 and beyond!

This post has been edited by Takudan: Jan 3 2025, 12:19 AM

interesting template