Net Worth Tracker — Yearly Edition

You can't improve what you don't measure

Most people have a rough sense of how much they earn and spend. Almost nobody knows their net worth. Not because it's complicated — it takes about 10 minutes per month. Because they've never had a place to put it. This tracker gives you that place.

What's Included

• 12 monthly snapshot tabs: enter your assets (cash, investments, property, pension/401k, car) and liabilities (mortgage, student loan, credit cards, car loan, other debt) once per month
• Annual trend chart: line chart that auto-populates as you fill in monthly tabs — shows net worth moving up or down over the year
• Asset vs liability breakdown chart: stacked bar showing what you own vs what you owe, updated automatically
• Savings rate history: tracks what percentage of income you saved each month, with an annual average
• Year-end summary tab: auto-generated from your 12 monthly entries — shows total net worth change, average savings rate, biggest asset and liability

Who This Is For

• Young professionals who want to start tracking wealth seriously but don't know where to start
• Anyone who has paid off a chunk of debt or started investing and wants to see the numbers moving
• People who have tried tracking net worth in a notes app or rough spreadsheet and want something that actually works

How It Works

1. Open the sheet at the start of any month
2. Fill in the January (or current month) tab — list every account, investment, property, and debt with its current balance
3. Come back at the start of next month and fill in the next tab — takes 10 minutes
4. Watch the trend chart update automatically
5. At year end, open the summary tab for your full-year picture