Free Net Worth Tracker Spreadsheet
Snapshot assets and liabilities monthly so you can watch net worth trend.
What this is
A monthly snapshot of cash, investments, property, other assets, and debts. Net worth trends matter more than any single month — this sheet makes the trend visible.
Best for
- Long-term wealth tracking without a portfolio app
- People paying down debt while investing
- Annual reviews with a partner or advisor
What’s included
- Dated monthly snapshot rows
- Asset and debt totals
- Net worth column ready for charting
Preview
| Date | Cash | Investments | Property | Other assets | Debts | Net worth |
|---|---|---|---|---|---|---|
| 2026-01-01 | 4200 | 18500 | 0 | 2000 | 9200 | 15500 |
| 2026-02-01 | 4500 | 19100 | 0 | 2000 | 8900 | 16700 |
| 2026-03-01 | 4800 | 19850 | 0 | 2100 | 8600 | 18150 |
How to use
- Add one row on the first of each month.
- Update asset and debt totals from your accounts.
- Net worth = all assets − all debts.
Tips
- Update on the same day each month (e.g. the 1st).
- Use account statements, not memory.
- Ignore daily market noise — monthly cadence is enough for most people.
FAQ
Do I include my home?
If you want a full picture, yes — use a conservative estimate and keep the method consistent.