· 7 min read
Move your net worth spreadsheet to netclariq in 10 minutes
A spreadsheet holds up fine for the first few years, until formulas break, investments stop reconciling, and nobody remembers why one cell has a number typed in by hand. Migrating doesn't mean rewriting your financial history — it means fixing today's starting point and letting the numbers maintain themselves from there.
1. Download the template and tidy what you already have
The migration template is five CSV files with the exact headers you need: accounts, categories, transactions, investments and debts. Copy and paste from your spreadsheet into the matching file — don't worry about formatting, both common date formats and decimal styles are accepted.
- accounts.csv: name, type and opening balance of each account
- categories.csv: your income, expense and investment categories
- transactions.csv: date, description, amount and category
- investments.csv and debts.csv: current portfolio and loans
2. Create accounts with their opening balance
Set up each account with the balance it had on the first day of the period you're importing, not today's balance. That opening balance plus the imported transactions reconstruct the current balance, and if it matches your bank at the end, the migration is complete.
3. Import transactions as a CSV
The import tool asks for the file and destination account, suggests which column is the date, which is the description and which is the amount, and shows a preview before creating anything. Negative amounts are recorded as expenses and positive ones as income; if your bank uses separate debit and credit columns, those map just as well.
- Rows that already exist are flagged so nothing gets duplicated
- Categorization rules classify by description
- Rows with an unreadable date or amount are flagged without blocking the rest
4. Add investments and debts
Investments are recorded transaction by transaction (a buy or sell with quantity, price and fee), which lets the real gain be calculated later on a FIFO basis. Loans are set up with principal, rate, term and start date, and the amortization schedule is generated automatically — no need to copy it instalment by instalment from a spreadsheet.
5. Check that it reconciles and close the migration
Compare each account balance with your bank's, and each loan's outstanding balance with your lender's. Any mismatch points to exactly what's missing. Once it reconciles, today's net worth is reliable, and from there you only need to import once a month.
6. What you gain by leaving the spreadsheet behind
Every transaction updates the balance and net worth together with no formulas to maintain; investment gains are computed with FIFO cost basis; mortgages use a standard amortization schedule with early repayments; and none of it requires connecting your bank or sharing credentials.
Migration template
Free download, no sign-up. Fill it in from your spreadsheet and upload it.
- Transactions (importable) · Date, description, amount and category
- Accounts · Name, type and opening balance
- Categories · Income, expense and investment
- Investments · Buys and sells by ticker
- Debts · Principal, rate, term and start date
- Instructions · Accepted formats and types
Frequently asked questions
- Do I have to migrate my entire history?
- No. Current balances plus this year's transactions already give you a correct net worth. You can import earlier years later if you want the longer historical series.
- What happens if I import the same file twice?
- Existing transactions for that account in the same date range are checked before anything is created, and matches are flagged automatically so you can review and discard them.
- Can I import from more than one bank?
- Yes. Each import is tied to one account, so repeat the process with each institution's statement and the matching destination account.
- What if the final balance doesn't match my bank?
- Almost always a transaction is missing from the period, or the opening balance wasn't from the correct first day. The exact gap usually points to the missing entry.
- Is there a file size limit?
- Up to 5 MB and 5,000 rows per import. For long histories, split the file by year.