Net Worth Tracker — Google Sheets Template
Track your assets, liabilities, and net worth over time with this simple spreadsheet. See your financial progress at a glance. Free.
- Track all assets (cash, investments, property)
- Track all liabilities (debt, loans, credit cards)
- Auto-calculated net worth
- Monthly net worth history chart
- Works in Google Sheets and Excel
- No signup required
Screenshots
Why You'll Love It
Know your exact net worth at any time
Track all assets (cash, investments, property)
See your financial progress month over month
Track all liabilities (debt, loans, credit cards)
Understand the full picture — not just your bank balance
Auto-calculated net worth
Motivate yourself by watching the number grow
Monthly net worth history chart
Spot problems early when net worth trends down
Works in Google Sheets and Excel
Takes 5 minutes per month to update
No signup required
Your Bank Balance Is Not Your Net Worth
Most people check their bank account and think that's how they're doing financially. But your bank balance ignores your investments, your retirement accounts, your debts, and your other assets.
Net worth = everything you own minus everything you owe. It's the single most important number in personal finance.
How It Works
- List your assets: checking, savings, investments, retirement accounts, property value
- List your liabilities: credit card balances, student loans, car loans, mortgage
- The template calculates your net worth and tracks it over time
Update it once a month. That's all it takes.
Why Track Net Worth?
It shows the real picture. You might have $5,000 in savings but $20,000 in student loans. Your net worth is -$15,000. That's not bad — it's just honest. And honesty is where progress starts.
It measures what matters. Income doesn't tell you if you're building wealth. Spending doesn't either. Net worth is the scoreboard.
It motivates you. Watching your net worth climb from -$15K to $0 to $10K to $50K is one of the most satisfying things in personal finance.
Who It's For
- Anyone who wants a clear picture of their finances
- People paying off debt who want to see the finish line getting closer
- Beginning investors who want to track portfolio growth alongside debt payoff
- Anyone who's never calculated their net worth before
- Track all assets (cash, investments, property)
- Track all liabilities (debt, loans, credit cards)
- Auto-calculated net worth
- Monthly net worth history chart
- Works in Google Sheets and Excel
- No signup required
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