Worthy vs CSPS
CompiledSanity's spreadsheet is one of the best FIRE templates around. Worthy isn't trying to out-spreadsheet it — here's when each one is the right pick.
Drag to compare. Spreadsheet on the left, Worthy on the right.
Worthy
$16.99
one-time · native app
CSPS Complete
~$6.50
one-time · Google Sheet
CSPS also has a free Beginner Edition. On price, CSPS wins — this comparison isn't about cost.
What CSPS is, honestly
CSPS (CompiledSanity Personal Finance Spreadsheet) is a Google Sheets template used by 15,000+ people in the FIRE community. It tracks net worth, live prices, dividends, budget, and capital-gains estimates, with regional editions for AU, UK, US/CA, and EU. Complete Edition is ~$6.50 as a one-time purchase.
It's a legitimately good product. If you're the kind of person who reads the monthly changelog of a spreadsheet and enjoys pressing the Red Update Button, CSPS is probably better for you than Worthy. Worthy is for a different type of person.
Where CSPS wins
Real strengths — no hedging.
Full FIRE dashboard
Savings rate, coast/lean/fat FIRE targets, projection curves, months-of-expenses. Worthy shows a chart; CSPS shows a plan.
Dividend & yield tracking
Per-holding dividends, expected yield, DRIP handling. Not on Worthy's roadmap in the near term.
Capital-gains estimation
Rough CGT lens on your holdings before you sell. Genuinely useful come tax time.
Budget + net worth in one place
Monthly budget with automation for irregular expenses. Worthy is net-worth-only by design.
Cheaper
~$6.50 beats $16.99. Not a huge gap, but real.
Where Worthy wins
Also no hedging.
Native mobile — actually usable on a phone
CSPS on iPhone means the Sheets app, sideways scroll, and dropdowns designed for a mouse. Worthy is built for thumbs first.
No Google OAuth over your Drive
The full CSPS asks to edit all your spreadsheets, run external services, and send emails. The slimmed version drops those but loses features. Worthy asks for zero — no account, no grants.
No monthly Red Update Button
CSPS needs you to press "Update" in the Net Worth Tab every month or you get a gap. Worthy tracks history automatically every time a balance changes.
Real Canadian account types
CSPS uses a shared US/CA edition. Worthy handles RRSP, TFSA, RESP, and FHSA as first-class Canadian accounts — not a US template with different labels.
Data stays on your device
CSPS lives on Google's servers by design — that's how Sheets works. Worthy stores your balances locally. Different privacy model, and for some people that matters a lot.
Side by side
CSPS details verified against the CompiledSanity docs and Complete Edition changelog. If anything is out of date, tell us and we'll fix it.
Which one is for you
Pick Worthy if
- ·You want the number on your phone in 60 seconds.
- ·You'd rather not grant Google OAuth over your Drive.
- ·You've forgotten the Red Update Button at least twice.
- ·You're Canadian and want real TFSA/RRSP/RESP/FHSA support.
- ·You want net-worth-only, not budget + FIRE dashboard + everything else.
Pick CSPS if
- ·You want a real FIRE dashboard with projections.
- ·You care about dividends, DRIP, or capital-gains estimates.
- ·You want budgeting in the same place as net worth.
- ·You genuinely enjoy tuning your own template.
- ·You mostly check finances at a laptop, not a phone.
Plenty of people use both — CSPS as the quarterly deep-dive, Worthy as the everyday phone check-in.
Try Worthy for the price of two coffees
One-time purchase. Yours forever.
CSPS vs Worthy FAQ
Is Worthy trying to replace CSPS?
No. CSPS is a genuinely well-built spreadsheet — one of the best in the FIRE community — and it does things Worthy will never do (dividend tracking, capital-gains estimation, full budgeting). Worthy is for people who want the net worth number on their phone without maintaining a template.
What does CSPS do better than Worthy?
Full FIRE dashboard with projections, dividend tracking per holding, capital-gains tax estimation, a proper budget tab, and unlimited custom formulas. If you're deep in the FIRE community and enjoy tuning your own system, CSPS is hard to beat at the price.
What does Worthy do better than CSPS?
Native mobile app (Sheets on a phone is awkward). No Google account or OAuth grant. No monthly "Red Update Button" to press — snapshots happen automatically every time you update. And native Canadian account types (RRSP, TFSA, RESP, FHSA) instead of the US/CA-shared edition.
Do I really need to grant CSPS OAuth permissions?
The full version of CSPS asks for permission to edit all your Google Sheets, run external service connections (for live prices), and send emails (for monthly reports). There's a slimmed version with fewer permissions, but you lose migration tools, email updates, and calendar features. Worthy has no account and no grants.
What is the Red Update Button?
CSPS records your monthly net worth snapshot when you press its "Red Update Button" in the Net Worth Tab. Miss a month and your history has a gap. Worthy records history automatically whenever you update a balance — no button, no ritual.
Which is better if I'm Canadian?
Honest answer: Worthy, unless you specifically want the FIRE dashboard and budgeting. CSPS shares a US/CA edition, so Canadian account handling is less specific than a native app. Worthy has RRSP, TFSA, RESP, and FHSA as first-class account types.
Can I use both?
Sure. Worthy is what most people check daily/weekly on their phone. A sheet like CSPS is what you open once a quarter for the deep view. They're complementary, not substitutes.
Comparing more broadly? Read Worthy vs a net worth spreadsheet →
If CSPS works for you, keep it
If you want your net worth on your phone with no ritual, that's what Worthy is for.