{% extends "base.html" %}
{% from "_notes.html" import fine_print %}
{% block title %}{{ page_title }}{% endblock %}
{% block main_class %}wide{% endblock %}
{% block content %}

{% if user %}
<nav class="crumbs" aria-label="Breadcrumb">
  <a href="/">Dashboard</a><span class="crumb-sep">/</span>
  <span class="crumb-current">Tracker spreadsheet</span>
</nav>
{% endif %}

<section class="card stand-intro">
  <h1>Free net worth tracker spreadsheet</h1>
  <p class="muted">
    Every category that counts in India down the side, twelve quarters across the top,
    and the totals, net worth and chart already wired up. Works in
    <strong>Excel, Google Sheets and Numbers</strong>. No email, no sign-up, no watermark.
  </p>
  <p class="xls-get">
    <a class="btn btn-lg" href="{{ xlsx }}" download="networthy-net-worth-tracker.xlsx">
      Download the spreadsheet (.xlsx)
    </a>
    <span class="muted xls-size">Free · nothing to fill in first</span>
  </p>
</section>

<section class="dash-card calc-doc">
  <h2>What's in it</h2>
  <ul class="calc-list">
    <li><strong>{{ asset_rows|length }} asset categories</strong> — {{ asset_rows|map(attribute='title')|join(', ') }}.</li>
    <li><strong>{{ liability_rows|length }} liability categories</strong> — {{ liability_rows|map(attribute='title')|join(', ') }}.</li>
    <li><strong>Twelve quarterly columns.</strong> Set the first date and the rest fill themselves in, three months apart.</li>
    <li><strong>Totals, net worth and a chart as formulas.</strong> You only ever type values.</li>
    <li><strong>Rupee formatting with Indian grouping</strong> — ₹1,57,20,000, not ₹15,720,000.</li>
    <li><strong>A second sheet</strong> with the four mistakes that make the number wrong.</li>
  </ul>

  <h3>How to use it</h3>
  <ol class="calc-list">
    <li>Set the first date in cell <code>B4</code>. Every other column follows it.</li>
    <li>Fill in what each category is worth <em>today</em> — not what you paid.</li>
    <li>Leave anything that doesn't apply blank.</li>
    <li>Come back once a quarter and fill the next column. The chart draws itself.</li>
  </ol>
</section>

{# The argument for not using a spreadsheet is far more persuasive from someone who
   just gave you a good one. Overstating the case here would be both dishonest and
   less effective — a spreadsheet is genuinely fine for a while. #}
<section class="dash-card calc-doc">
  <h2>Where a spreadsheet stops working</h2>
  <p>
    Honestly: for a year or two, it doesn't stop. A spreadsheet is free, it's yours, it
    works offline, and nobody can shut it down. If that's what you want, take the file
    above and ignore the rest of this page.
  </p>
  <p>What eventually goes wrong is always the same three things:</p>
  <ul class="calc-list">
    <li>
      <strong>Every figure is stale the moment you type it.</strong> Your equity and mutual
      funds move every day. A quarterly snapshot of a live portfolio is a photograph of a
      river — fine for the trend, useless for "what am I worth right now".
    </li>
    <li>
      <strong>Looking up the numbers is the actual work.</strong> Not the typing — the
      hunting. Opening the demat account, the CAMS statement, three bank apps and the EPFO
      portal is an hour, and it's the same hour every quarter. That's the thing people
      stop doing, and a tracker nobody updates is worse than none.
    </li>
    <li>
      <strong>It can't tell you anything you didn't already put in.</strong> Where you rank,
      what you'd need to retire, what a 3% withdrawal rate implies, how a goal is tracking —
      each is a formula you'd have to build and maintain yourself.
    </li>
  </ul>
  <p>
    Networthy HQ is the same table with the lookups automated: import an
    <strong>NSDL CAS</strong> and your demat and mutual-fund holdings appear priced live;
    add property, gold, PPF and loans once. It's free, and you can
    <a href="/account">export everything back to CSV</a> whenever you want — including
    into this spreadsheet.
  </p>
</section>

<section class="dash-card calc-doc" id="faq">
  <h2>Common questions</h2>
  <dl class="calc-faq">
    {% for item in faq %}
    <dt>{{ item.q }}</dt>
    <dd>{{ item.a }}</dd>
    {% endfor %}
  </dl>
</section>

{% if not user %}
<section class="dash-card stand-cta">
  <h2>Or skip the quarterly hour.</h2>
  <p class="muted">
    Same categories, same number — without the hunting. Import a statement and it prices
    itself.
  </p>
  <p>
    <a href="/login" class="btn btn-lg">Get started — it's free</a>
    <a href="/demo" class="btn btn-outline btn-lg">Explore the live demo</a>
  </p>
</section>
{% endif %}

<p class="muted stand-note">
  Also useful: <a href="/net-worth-calculator">work out your net worth</a> right now,
  <a href="/how-rich-am-i">where it ranks</a>, and
  <a href="/how-much-do-i-need-to-retire">how much you need to retire</a>.
</p>

{{ fine_print("The spreadsheet does arithmetic on figures you supply — it can't check
whether a property or unlisted holding is really worth what you've entered.") }}

{% endblock %}