What you get
Three files, instant download
Excel / Google Sheets Template
The .xlsx file works in Microsoft Excel 2016 and later, plus Google Sheets. No macros. No add-ins required.
Step-by-Step Instructions
A complete HTML guide covering setup, how each tab works, and answers to the most common questions about the template.
Printable Worksheet
A clean, print-ready version so you can plan on paper first and fill in the spreadsheet later. No printer? Skip it entirely.
How it works
Net Worth Tracker
Your checking account balance is not your financial picture. Neither is your salary. Net worth is the number that actually tells you where you stand: everything you own minus everything you owe.
Most people don't track it. The ones building wealth consistently almost always do.
This tracker gives you a monthly net worth snapshot and builds a running history automatically. You enter your balances once a month and the sheet handles the math. Over 12 months you can see whether your assets are growing faster than your debts. That trend is the only number that matters.
What's in the file:
- Asset categories: checking, savings, HYSA, investments, retirement accounts, home value, vehicles, other
- Liability categories: mortgage, student loans, car loans, credit cards, personal loans, other
- Monthly net worth calculation with automatic assets-minus-liabilities formula
- 12-month history table that populates as you enter each month
- Trend line chart showing your net worth trajectory over the year
- Year-over-year comparison: current net worth vs. this time last year
Takes about 10 minutes per month to update.
Works in Excel and Google Sheets.
Features
What's inside
- Assets section: cash, investments, property, other
- Liabilities section: all debts with current balances
- Monthly net worth calculation: assets minus liabilities
- 12-month history table and trend line chart
- Year-over-year comparison with growth percentage
- Works in Excel 2016+ and Google Sheets
Inside the template
Sample data
Real numbers showing what the spreadsheet looks like once you enter your information.
| CATEGORY | AMOUNT | TYPE |
|---|---|---|
| Checking + HYSA | $14,200 | Asset |
| Brokerage Account | $28,100 | Asset |
| 401(k) Balance | $62,400 | Asset |
| Home Value (est.) | $320,000 | Asset |
| Mortgage Balance | -$248,000 | Liability |
| Net Worth Total | -- | $148,300 |
Ready to start
Net Worth Tracker
All sales are final, since the file arrives the moment you pay. If it will not open or does not match this page, tell us and we will make it right. Full terms.
Instant download after purchase. Works in Excel and Google Sheets. No macros, no subscription, no setup beyond entering your numbers.
Microsoft Excel 2016+ Google Sheets
Common questions
FAQ
Does my house count?
Yes, on both sides: market value as an asset and the outstanding mortgage as a liability. The equity between them is the part that is actually yours. Leaving the house out entirely understates most homeowners badly, and counting the value without the mortgage overstates it just as badly.
How often should I update it?
Monthly is the right cadence for most people. Weekly turns normal market movement into noise you will react to, and annually is too coarse to catch a trend while you can still change it. The sheet is built around monthly snapshots and charts the trend across them.
What if my net worth is negative?
That is ordinary early on, particularly with student loans or a new mortgage, and the tracker charts the trajectory rather than just the current figure. The direction and the slope are what matter. A negative number climbing steadily is a healthier position than a positive one drifting down.
How do I get the files after buying?
Stripe takes the payment and the download link is emailed within a few seconds, no account needed. The link lasts 30 days and allows 10 downloads. Lost it? Send yourself a fresh one.
Refunds, file formats, Google Sheets, and customizing the template are covered on the templates page.