Real files, straightened out

v1.7.0 let your statements type your history in. The very first real
broker files through it showed four things worth fixing — here they are,
fixed the same day.

Split and bonus shares are no longer counted twice. A broker
holdings file already shows your share count after every split and
bonus. The app used to apply that history again on top, so a stock that
had split 5-for-1 showed five times the shares (and five times the
value). Holdings you import are now anchored to the day they came in —
only corporate actions that happen after that day will adjust them.
Anything you typed yourself works exactly as before. If you imported
holdings with v1.7.0, delete those rows (they're flagged
"IMPORTED:broker holdings") and import the file again.

Mutual funds in your broker's file now come in. Funds bought on a
broker platform sit in your demat account and often never appear on a
CAS (the fund statement). If your broker's holdings file lists them with
their ISINs, each fund now lands as one opening line: today's units at
your average cost. Your values are right from day one. The yearly return
figure (XIRR = your return a year) becomes exact once real dates arrive
— a CAS that covers the fund, or dates you type, whenever you want that.

Bonds and fund units can't sneak onto the share sheet. A holdings
file mixes shares, fund units, bonds and debentures. The app now tells
them apart by their ISIN: shares and listed ETFs go to Equity, fund
units go to the fund ledger, and bonds/debentures are pointed at the
Bonds sheet (typed by hand) with a plain note — nothing lands as the
wrong kind of thing.

The "By Scrip" family view fills itself. The sheet that shows each
stock's total across the family used to list only the stocks you typed
into it. Now every stock anyone holds gets its row automatically on each
update — rows you added yourself stay untouched, and the sheet grew from
26 to 150 rows so a full family portfolio fits.

Everything else is unchanged. Update by replacing the app files with
this version's — your workbook is untouched, and the next update brings
the new behaviour.

v1.7.0 — Ten years of SIPs, typed in for you

The most boring job in this workbook just disappeared.

Your funds: one PDF does it all. Every fund investor in India can
email themselves one free, official statement that lists every purchase,
SIP and sale across every fund house — it's called a CAS. Go to
camsonline.com → Statements → CAS – CAMS+KFintech, pick Detailed
and Since inception, choose a password. Save the PDF that arrives
next to your tracker file and run the update. It asks for the PDF's
password (never stored), shows you every fund it read, and types the
whole history in — exact dates, amounts, NAVs and units.

Your shares: your broker's file works too. Save your broker's
tradebook or holdings export (CSV or Excel) in the same folder. Any broker's file
is read if its columns are named — buys become rows with their real dates
and prices, sales are netted off, and a holdings file double-checks the
result against what your broker says you own. Sold shares the file never
shows you buying — old paper certificates, transferred holdings? One
question ("bought before Feb 2018?") and the official 2018 value stands
in as their cost.

Built so you can trust it:

• Every number proves itself before it lands. Each statement line
  must satisfy the statement's own arithmetic (amount = units × NAV,
  the fund's unit price), and each fund must add up to the closing
  balance printed on the statement itself. A fund that can't be read reliably is left out
  whole, with a plain reason — never guessed, never half-imported.
• Run it again anytime — nothing doubles. A newer statement just adds
  the new months. Already-read files are remembered and not asked about
  again.
• If you'd already typed a fund by hand, the statement's exact history
  replaces those rows — after you confirm, with your file backed up
  first. Prefer to keep your rows? Choose "only add" at the prompt.
• Who owns which folio is asked once and remembered.

Also in this release: more room — the shares sheet now holds 1,500
rows and the fund ledger 3,000, so full imported histories fit as-is.
Even longer? The updater asks whether it may roll the oldest years into
one opening line per fund — totals still match the statement, and saying
no just makes it wait.
And a one-line answer for old paper share certificates: type the
quantity, leave the cost blank, and put 31-01-2018 as the buy date —
the official 2018 value fills in and the tax maths is right.

Still true, always: everything stays on your computer. The update only
downloads public prices; nothing about your money is ever sent
anywhere.

---

Get it: download the zip for your computer below (Windows or Mac) and
unzip it. Updating? Keep your own Excel file; just replace the Update
Portfolio app with the new one.

Full changelog: v1.6.2...v1.7.0

v1.6.2 — Sturdy

This release makes the file harder to break and the tax view fairer. No
new tabs, no new switches — just more care.

It watches your back now. The updater used to trust quietly; now it
speaks up before anything can go wrong:

• Nothing gets lost silently. Type more rows than a sheet can keep and
  the update refuses to run — it stops before touching anything,
  naming the sheet and the limit — and the limits themselves grew (Equity
  now holds 250 rows, the fund ledger 1,000). Type 10 gm or a formula
  where a number belongs, or a date from 1899, and it tells you what it
  saw and where, instead of quietly dropping the holding.
• A backup before every rewrite — including --lock, which used to
  skip it. And after you view masked numbers, one readable backup now
  survives until the next update, so a mistake made while viewing is never
  unrecoverable.
• Names that Excel can't take as tab names (too long, a /, a
  duplicate) no longer crash the update — the tab is adjusted, your
  figures untouched, and it says so. Same for a share bought with an
  apostrophe in the family name.
• Typos stop lying. Y under Privacy mask now means Yes (it used to
  silently mean No). Owner typed as AMIT counts everywhere Amit does,
  gold gets the day's gold rate, and a far-future or ancient date can no
  longer blank out the whole update.
• Bad feed days can't eat your data. If AMFI (where fund prices come
  from) answers with a near-empty page, or an exchange's reply doesn't
  look the way it should, the file keeps what it has and says so.

And the tax view: losses now count across your investments. A
debt-fund loss reduces the tax on your share gains, the way the law
(Sec 70) actually works — short-term losses first against short-term
gains, leftovers against long-term gains, debt-fund long-term losses
against long-term gains — all before the ₹1.25 lakh allowance. The
"Losses used vs LTCG ₹" column shows exactly what was counted; it stays
blank in a normal year. Still indicative — for planning, not for filing.

One small answer many of you asked for, now written where you'll see it
(the Guide and the user guide's Equity chapter): bought the same share
on different dates? Just add another row per purchase — every total sums
correctly, and each purchase keeps its own "turns long-term" date in the
tax view.

---

Get it: download the zip for your computer below (Windows or Mac) and
unzip it. Updating? Keep your own Excel file; just replace the Update
Portfolio app with the new one.

Full changelog: v1.6.1...v1.6.2

v1.6.1 — Losses count, the way the law allows

A small, honest fix to the new tax view — worth taking if you use the
Capital Gains tab.

• Sold at a loss? It now counts fully. Losses already reduced gains of
  the same kind in the same year. But when your short-term losses were
  bigger than your short-term gains, the leftover was being ignored — and
  the law (Sec 70) says it should reduce that year's long-term gains
  too, before the tax-free allowance. So in a year where you sold losers
  to save tax, the sheet was showing more tax than you'd actually owe.
  Fixed. When it happens, you'll see the amount in its own column — "ST
  loss used vs LTCG ₹" — which stays blank in a normal year. Hover the
  heading and it explains itself, as always.

Nothing else changed. Straight talk, as always: the tax view stays
indicative — for planning, not for filing. Carrying a loss forward to
a later year is still not modelled (the file can't know your filing
history and won't guess), and shares/equity funds and debt funds never net
against each other here — the sheet itself now says both, right under the
title.

---

Get it: download the zip for your computer below (Windows or Mac) and
unzip it. Updating? Keep your own Excel file; just replace the Update
Portfolio app with the new one.

Full changelog: v1.6.0...v1.6.1

v1.6.0 — Honest returns, and the taxman's view

Two things this release: your return figure now tells the whole truth, and
the file can finally answer the year-end question — "how much tax on what
I sold?"

• Dividends count in your return now. Every dividend your shares pay —
  and every sale you record — goes into the XIRR maths. So the return you
  see is the return you actually got. Your figure may shift a little on
  the first update — that's it becoming more honest, not a bug. Each
  family member's sheet also shows their own share of this year's
  dividends.

• A record of what you sold. The new Equity_Sells tab: one row per
  sale, copied straight from your contract note. (Keep the Equity tab as
  what you own now — the sheet reminds you.) Fund sales need nothing new:
  a minus amount on MF_SIP already is the record.

• The Capital Gains tab. Switch it on in Settings (it's off until you
  want it) and the update builds you a tax view: short-term and long-term
  gains per year, how much of the yearly tax-free allowance (₹1.25 lakh)
  you've used, an indicative tax figure — and, for planning, what each
  holding would gain if sold today plus the exact date it turns
  long-term. Sold shares you bought before 2018? The kinder
  "grandfathering" rule (the official 31-Jan-2018 value) is applied for
  you — even if you left the old buy price blank. Bought and sold the same
  day? That's speculative income (taxed at your slab, not as capital
  gains) — it gets its own column and rows, clearly labelled, instead of
  being mixed in or hidden.

• Charts no longer sit on top of your columns. The Dashboard charts
  move right as you switch on more asset classes, and each family member's
  pie now sits clear of their holdings table — nothing to drag out of the
  way anymore.

• The tax rules live in YOUR file, not in our code. The new Tax_Rules
  tab ships filled in with the current law — rates, holding periods, the
  ₹1.25 lakh allowance. When a Budget changes any of it, edit the number
  (or add a row from the date the change applies) and run the update.
  No new app version needed.

Straight talk, as always: the tax view is indicative — for planning, not
for filing. It knows the current rules (including the mid-2024 rate
change), but it doesn't know your slab, your other income, or loss
set-offs across years. Anything it can't work out honestly, it says so on
the sheet instead of guessing.

Everything is explained where you see it — hover any new heading (STCG,
LTCG, grandfathering…) and a plain note tells you what it means. The Guide
has a new "Selling & tax" section with the three steps.

And one more thing: there is now a complete illustrated user guide —
every feature walked through with real screenshots and worked examples,
from first open to the tax view:
https://github.com/jay-parikh/NetWorth/blob/main/docs/USER-GUIDE.md

---

Get it: download the zip for your computer below (Windows or Mac) and
unzip it. Updating? Keep your own Excel file; just replace the Update
Portfolio app with the new one.

Full changelog: v1.5.1...v1.6.0

v1.5.1 — Everything explains itself

No new switches, no new numbers — this release makes the file easier to
understand, top to bottom.

• A friendlier Guide. The Guide tab is shorter, better organised and
  stays put while you scroll (the title no longer disappears). Same
  content, fewer walls of text — start in 4 steps, one table that says
  where each thing goes, and everything you can personalise in one place.
• Words you'll see. The Guide now ends with a small glossary: XIRR,
  ISIN, NAV, PRAN, UAN, SGB, ex-date — each in one plain sentence. The
  correct terms stay on the sheets (they match your statements, word for
  word); the glossary just makes sure they never puzzle you.
• Hover and it explains. Point at a technical column heading — XIRR,
  ISIN, Comp./yr, Face Value, Drift, Corpus and friends — and a small note
  tells you what it means in plain words, right there on the sheet. The
  same term is explained the same way everywhere.
• Clearer update window. The privacy questions are simpler: one plain
  question at a time, a wrong password says so immediately (with two more
  tries), and turning the mask off asks for a clear YES on its own line.

Your numbers, formulas and layout are untouched — an updated file works
exactly as before, just with more help built in.

---

Get it: download the zip for your computer below (Windows or Mac) and
unzip it. Updating? Keep your own Excel file; just replace the Update
Portfolio app with the new one.

Full changelog: v1.5.0...v1.5.1

v1.5.0 — Your numbers, your business

Two new privacy switches on the Settings tab. Both are off until you want
them, they share one password, and you can use either — or both.

• Privacy mask. Every number in the workbook shows as ••• — names and
  dates stay readable, amounts don't. Perfect for opening the file with
  someone looking over your shoulder or while screen-sharing. To see the
  numbers, run Update Portfolio and type your password; press Enter at
  the next run (or use the new --lock shortcut) and the mask goes
  straight back on. Forgot the password? Type RESET — the mask is a
  curtain, and your numbers are never at risk.
• Lock file. Real encryption — the same "password to open" Excel
  itself uses, with strong AES protection. Without the password the file
  cannot be opened or read anywhere: a lost laptop, a shared computer or
  a cloud-synced folder reveals nothing. Updates ask for the password too,
  and your backups are automatically just as protected.

Honesty corner, because your money deserves straight talk: the mask stops
onlookers, not a determined technical person — that's what the Lock is
for. And the Lock is real security, which cuts both ways: if you forget
that password, nobody can recover your numbers — not even this program.
Write it down somewhere safe. Scheduled hands-free updates can't run
while the file is locked (they'd need your password); run those updates
yourself, or use just the mask.

Everything else is untouched: your data never leaves your computer, and
turning both switches off gives you exactly the workbook you had before.

---

Get it: download the zip for your computer below (Windows or Mac) and
unzip it. Updating? Keep your own Excel file; just replace the Update
Portfolio app with the new one.

Full changelog: v1.4.3...v1.5.0

v1.4.3 — A calm first open

This release is all about first impressions and staying in control — nothing
about your numbers changed, only how gently the workbook presents itself.

• The file opens calm. A new user sees the five everyday tabs — shares,
  mutual funds, fixed deposits, PPF, bonds — instead of all 26. Gold &
  silver, EPF, NPS, property, cash and insurance are one switch away on the
  Settings tab, each with a worked example already inside.
• Your choice wins. Switch any asset class off and it hides — even if it
  has rows. Nothing is deleted, it simply isn't counted, and one amber line
  on the Dashboard reminds you what's hidden so money can never quietly
  disappear from view without you knowing.
• A tidier tab strip. Tabs are colour-coded (navy = overview, teal =
  family members, blue = you type here, grey = automatic, gold = the Guide),
  and the reference lists that feed the dropdowns stay tucked away unless
  you ask for them.
• "Real Estate" is now simply "Property", and the property / cash /
  insurance / gold examples are clearer and more generic — including a
  three-step "adding your gold" guide (weigh in grams, pick the type, done).
• A friendlier Settings tab. One plain Show? column with honest
  statuses, and the target-percentage block clearly marked optional.

Existing workbooks upgrade seamlessly — the next update keeps every row,
reads the old labels, and applies your Settings choices as they are.

---

Get it: download the zip for your computer below (Windows or Mac) and
unzip it. Updating? Keep your own Excel file; just replace the Update
Portfolio app with the new one.

Full changelog: v1.4.2...v1.4.3

v1.4.2 — Honest numbers, small comforts

A follow-up round of small fixes that keep what you see truthful:

• "Avg cost today" now matches your broker app after a demerger — it shows the reduced cost per share, the way your demat statement does.
• Gold & silver rates can't quietly go stale. The "rates as on" date only moves forward when a fresh rate actually arrived, and an old rate turns amber so you notice.
• Corrections that stick. The Dividends tab now explains how to correct a row (mark it Manual) so the next update doesn't undo your edit.
• Scheduled updates finish cleanly. Running the updater on a timer, with no keyboard attached, no longer ends in an error at the final "press Enter" step.
• Nothing disappears on a technicality. A pension scheme with a blank fund-manager name, or a hidden-tab setting you chose, now survives every update exactly as you left it.

---

Get it: download the zip for your computer below (Windows or Mac) and unzip it. Updating? Keep your own Excel file; just replace the Update Portfolio app with the new one.

Full changelog: v1.4.1...v1.4.2

v1.4.1 — Sturdier updates

A deep review of v1.4.0 turned up fifteen rough edges. All fixed — same features, sharper numbers:

• Dividends read more accurately. A payout announced by both exchanges is counted once, and wordings like "face value ₹10" are no longer mistaken for a ₹10 dividend.
• A bad internet day can't erase your history. If one company's data can't be fetched today, its already-recorded actions and dividends stay put until the next successful update.
• Merged companies keep paying you. Dividends announced by the company your shares merged into still arrive on your sheet.
• Complicated demergers split cost correctly — including a second demerger on shares that already came from an earlier one.
• More breathing room. The actions history now holds 200 rows, and your own hand-typed rows always survive, no matter how busy the market gets.

---

Get it: download the zip for your computer below (Windows or Mac) and unzip it. Updating? Keep your own Excel file; just replace the Update Portfolio app with the new one.

Full changelog: v1.4.0...v1.4.1