CoreBalance vs
Excel / Google Sheets
Do you prefer dealing with broken formulas, unstable APIs, and screen zooming on your mobile, or rebalancing your fund portfolio in 5 seconds with total privacy?
CoreBalance
The dedicated, maintenance-free local-first solution
An optimized web calculator that works locally. Without registration, enter your target percentages and monthly amounts, and it calculates the optimal distribution in seconds. Specifically designed for mobile screens and desktops.
Excel / Sheets
The classic, highly configurable blank sheet
Perfect for those who love total manual control and want to design custom long-term simulations. Requires programming formulas, dealing with real-time quote errors, and tolerating friction on touchscreens.
Feature Comparison
| Feature | CoreBalance | Excel / Google Sheets |
|---|---|---|
| Setup Time | Seconds (no signup) | Hours (creating formulas & cells) |
| Formula Maintenance | None (handled by system) | Constant (failing APIs, formatting errors) |
| Cloud Privacy | 100% Private (encrypted local data) | Medium-Low (stored on Google/Microsoft servers) |
| Mobile Usability | Perfect (natively adapted design) | Impractical (friction editing small cells) |
| Contribution Calculation | Automatic to the cent | Requires programming complex logic |
| Cost | Free and ad-free | Free (Google) or Office License (Excel) |
Real-World Case Study: Monthly Rebalancing
We compare the actual experience of an index investor contributing €500 monthly to a 4-fund portfolio.
With Spreadsheets (Excel / Sheets)
- Open file and log into Google/Microsoft.
- Wait for quotes to load (sometimes fails with #N/A error).
- Manually check that no cell or row has lost its format.
- Manually calculate asset purchases using formulas.
- Estimated time: 10-15 minutes.
With CoreBalance
- Open the web or app on your mobile (instant 1-second load).
- Prices update automatically and reliably.
- Enter the month's amount (e.g., €500).
- See the exact contribution calculations and copy them to your broker.
- Estimated time: 5 seconds.
Pros & Cons: Which suits you best?
Choose CoreBalance if you want:
- Speed and convenience: Forget about programming or dragging cells. The app calculates everything for you automatically.
- Tax and operational safety: Avoid human arithmetic errors that could unintentionally unbalance your portfolio.
- Local offline sync: You can use it anywhere without worrying about whether your template syncs correctly to the cloud.
Choose Spreadsheets if you want:
- Custom personalization: Add columns with custom ratios, tailored pie charts, and amortization tables.
- Complex historical simulation: 40-year compound interest projections with random variations (Monte Carlo method).
- Saved contribution history: Detailed historical record of each monthly contribution in a separate tab.
Frequently Asked Questions
Can I import my data from Excel to CoreBalance?
Yes. You can save your spreadsheet as a CSV file and import it directly into the Import tab in CoreBalance so you do not have to enter assets manually.
Is CoreBalance secure if my data is saved in the browser?
Absolutely. By using IndexedDB locally, your financial data is not sent to any third-party servers, guaranteeing privacy that Google Sheets or Microsoft Excel 365 in the cloud cannot fully assure.
Simplify your monthly rebalancing today
Try the CoreBalance calculator 100% free and privately. Your financial data will never leave your device.