{"product_id":"haushaltsbuch-vermogensubersicht-3-8-apple-numbers-vorlage-deutsch","title":"Haushaltsbuch \u0026 Vermögensübersicht 3.8 – Apple Numbers Template (German edition)","description":"\u003cp\u003e\u003cstrong\u003eThis is the German-language edition (Euro, with rows for the Austrian 13th and 14th salary). Looking for English sheets? See the \u003ca href=\"\/en\/products\/budget-planner-net-worth-overview-3-8-apple-numbers-template-english\"\u003eBudget Planner \u0026amp; Net Worth Overview 3.8\u003c\/a\u003e.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eAll your money on one sheet – income, expenses, net worth, portfolio and loans. For Apple Numbers on Mac, iPad and iPhone. A ready-made Numbers template: you only fill in the yellow fields, everything else calculates itself. No app, no subscription, no bank connection – your numbers stay on your device.\u003c\/p\u003e\n\u003ch3\u003eHow it works – in 4 steps\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003e\u003cstrong\u003eSet up once.\u003c\/strong\u003e On the Settings sheet you enter the year, name the 12 categories to match your life and set your targets for the 50\/30\/20 rule. It takes about 10 minutes and then it's done.\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eEnter income \u0026amp; expenses.\u003c\/strong\u003e You only fill in the yellow fields. Salary, 13th and 14th salary and other income each get their own row per month. Fixed costs such as rent, electricity or insurance are entered once with an amount and a from\/to month; yearly amounts are spread over 12 months automatically. Variable expenses such as groceries are entered month by month – about 10 to 15 minutes a week.\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eNet worth, portfolio \u0026amp; loans – as much as you need.\u003c\/strong\u003e Enter your balances and values once. Stocks, ETFs and crypto get their prices automatically. The loan calculator builds the amortization schedule, shows the remaining debt and your debt-free date, and can carry the payment straight into your expenses.\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eRead everything automatically.\u003c\/strong\u003e The summary shows your savings rate, emergency fund, debt service and housing cost ratio, the monthly trend, the 50\/30\/20 check and your net worth – without touching a single formula. Below every key figure you can read how it is calculated and what a good value is.\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003cp\u003eThe guide is right inside the file on the Settings sheet (in German). Setup: about 10 minutes, upkeep: 10 to 15 minutes per week.\u003c\/p\u003e\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eSummary\u003c\/strong\u003e with key figures: savings rate, free balance, emergency fund in net salaries, debt service and housing cost ratio, 50\/30\/20 check with rating, three charts\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eIncome \u0026amp; expenses\u003c\/strong\u003e for a full year: fixed costs with from\/to month, yearly amounts spread over 12 months, variable expenses per month, 12 categories you can rename\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eNet worth\u003c\/strong\u003e: bank, fixed deposits, brokerage, crypto, pension, property, car, debts – net worth at a glance, liquidity by availability, month-end history\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003ePortfolio\u003c\/strong\u003e for stocks, ETFs and crypto with automatic prices (Yahoo Finance)\u003c\/li\u003e\n\u003cli\u003e\u003cstrong\u003eLoan calculator\u003c\/strong\u003e for a mortgage and two consumer loans: amortization schedule, remaining debt today, debt-free date, extra repayments, interest rate changes\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWhat is delivered\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBlank template to fill in (LEER)\u003c\/li\u003e\n\u003cli\u003eDemo template with fictional sample data (DEMO)\u003c\/li\u003e\n\u003cli\u003eInstant download after payment as a ZIP file: right on the order page and by e-mail with the download link. The PDF invoice comes with the order confirmation. Please also check your spam folder.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eRequirements\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eApple Numbers 14.4 or later on Mac, iPad or iPhone (free on the App Store)\u003c\/li\u003e\n\u003cli\u003eAn internet connection for automatic prices; prices are previous-day closing prices, not real-time. Price data comes from Yahoo Finance and may be missing for some exchanges.\u003c\/li\u003e\n\u003cli\u003eNot compatible with Excel or Google Sheets.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eLicence \u0026amp; notes\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFor your own household; no sharing or resale.\u003c\/li\u003e\n\u003cli\u003eThe template helps you keep an overview and is not investment, tax or financial advice.\u003c\/li\u003e\n\u003cli\u003eDigital product: by purchasing you expressly agree that delivery starts immediately and acknowledge that you thereby lose your right of withdrawal.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003eQuestions? finanzsicht@icloud.com – bug fixes are delivered as free updates.\u003c\/p\u003e","brand":"FinanzSicht","offers":[{"title":"Default Title","offer_id":54998308716877,"sku":"FS-HHB-38-DE","price":24.9,"currency_code":"EUR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0899\/8800\/6221\/files\/00_Titelbild_Zusammenfassung.jpg?v=1793265570","url":"https:\/\/www.finanzsicht.com\/en\/products\/haushaltsbuch-vermogensubersicht-3-8-apple-numbers-vorlage-deutsch","provider":"FinanzSicht","version":"1.0","type":"link"}