Review criteria
- +Assets minus liabilities with an auto monthly total
- +Trend chart of net worth over time
- +Account-level breakdown (cash, investments, property, debt)
- +Works in Google Sheets and Excel without add-ons
Net Worth Tracker in Personal Finance
A suggested spreadsheet layout for personal finance work, tracking assets, liabilities, monthly net worth.
Last updated: August 2026
We haven’t built a ready-made workbook for this one yet. The templates below do the same job, with formulas and sample data, and you can download them today. The suggested columns are further down if you’d rather build your own.
Working templates you can use today
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Build your own
Suggested columns for “Net Worth Tracker”
Format: No ready-made file yet (column guide)Columns: 3
Columns to start with
- Assets
- Liabilities
- Monthly Net Worth
- Copy the column list and paste it into cell A1 of a new Google Sheet or Excel workbook.
- Split it into columns: Google Sheets Data → Split text to columns; Excel Data → Text to Columns (comma).
- Or skip the setup and start from one of the working templates on this page.
Review evidence
What to verify before choosing Net Worth Tracker
Use the review criteria below to decide whether this template fits your workflow.
Often worth considering when
- +Anyone tracking their financial progress month to month
- +People working toward a savings, FIRE, or debt-free goal
Pause before choosing when
- -Live account syncing or brokerage integration
- -Tax or investment advice
About Personal Finance
Why people consider this option
- +Free, copy-ready spreadsheets you own outright — no subscription lock-in
- +Works the same in Google Sheets and Excel, on desktop or phone
- +Add totals with basic formulas like SUM once your data is in
What to review before acting
- -Manual entry unless you connect a bank-sync tool
- -Large multi-year sheets can slow down on low-end devices
Trust FAQ
Questions people ask before copying a template
How often should I update the Net Worth Tracker?
Once a month is ideal — pick a consistent day, enter your account balances, and the total and trend chart update themselves. Monthly snapshots make the long-term trend clear without becoming a chore.
Does it connect to my bank or brokerage?
No, and that's intentional: it's a private spreadsheet you fill in manually, so none of your financial data leaves your own Google or Microsoft account. If you want automatic syncing later, a connector tool can be added.
Is the Net Worth Tracker free?
Yes, the core template is free to copy and keep in Google Sheets or Excel. There is no paid tier — the free download includes all account categories and charts.