Net Worth Tracker Spreadsheet

About this download

Net worth tracker spreadsheet for Google Sheets: log your balances once a month and watch your net worth, savings rate and goals update. Seven tabs track your assets and debts, chart your progress, and show how many months of expenses you have saved and how close you are to your FI number. An Excel file is included for the latest Microsoft 365 (Office 365 Desktop App).

𝗪𝗛𝗔𝗧'𝗦 𝗜𝗡𝗦𝗜𝗗𝗘: 𝟕 𝗧𝗔𝗕𝗦

• Start Here: how it works, plus the Show sample data checkbox
• Dashboard: net worth, change this month, change this year, debt to assets and savings rate, with status chips, 4 charts (net worth over time, assets and debt, where your assets are, net worth by year), goal progress bars and your safety net
• Setup: your name, currency, start month, monthly essential expenses, emergency fund target, FI multiple and yearly spending, plus 7 asset and 4 debt categories you can rename
• Snapshots: one row per month for 120 months: cash, savings, investments, retirement, home, vehicles and other assets; mortgage, car loan, credit cards and other debts; income and amount saved
• Goals: a target and date for net worth, total assets, total debt, your emergency fund or any category, with a progress bar and a status
• Ratios: debt to assets, liquid assets, liquid assets against debt other than the mortgage, emergency fund months and the change from last month
• Annual Summary: each year side by side: start and end net worth, change, income, saved, savings rate and year-end debt to assets

𝗪𝗛𝗔𝗧 𝗬𝗢𝗨 𝗚𝗘𝗧

• Google Sheets template: a link to make your own copy (a Google account works)
• Excel version (.xlsx) for the latest Microsoft 365 (Office 365 Desktop App)
• Start Here PDF with your make-your-copy link and a short guide to every tab

𝗪𝗛𝗬 𝗬𝗢𝗨'𝗟𝗟 𝗟𝗢𝗩𝗘 𝗜𝗧

• Savings rate for every month and every year
• Emergency fund gauge in months of essential expenses, plus your FI number and progress (you choose the multiple)
• Multi-year view: net worth by year on the Dashboard and an Annual Summary for up to 10 years
• No formulas to write: white cells are for typing, shaded cells calculate
• Every Snapshots row checks itself: Missing month, Add income, Add amount saved, Saved more than income
• Sample data checkbox: tick it to see an invented household filled in, untick it to start fresh; your category names stay

𝗛𝗢𝗪 𝗜𝗧 𝗪𝗢𝗥𝗞𝗦

1. Buy and download the Start Here PDF with your link.
2. Fill in Setup, then log one row a month on Snapshots. The Dashboard, Goals, Ratios and Annual Summary fill in.

ℹ 𝗚𝗢𝗢𝗗 𝗧𝗢 𝗞𝗡𝗢𝗪

• This is an organizational tool, not financial advice.
• This is a digital download. Nothing physical is shipped.
• Developed for Google Sheets; an Excel file is included for the latest Microsoft 365 (Office 365 Desktop App). In Excel the sample data switch is a TRUE or FALSE cell, and the file opens with the sample hidden. Formula cells are protected in Excel (no password) so they are not overwritten.
• Everything stays in your own copy. Nothing connects to a bank.
• Listing images show invented sample data.
• For personal use only.

Designed by me, created using AI tools.

The Etsy listing is the final source for what is included. See it on Etsy.