Net Worth Tracker

What's inside

• Start Here

  Quick guide and setup: your names, plan year, currency and 5 milestones (plus up to 4 earlier year-ends for history)

• Dashboard

  Pick any month: net worth, what you own, what you owe and change this year; progress to your goal; milestone badges; what you own vs what you owe on one bar; your next moves; a 12-month chart; your money by group

• Accounts

  One row per account (up to 40): group, how often you update it, last balance typed and a status (Updated / Missing / No data / Paid off); your own groups table (up to 16)

• Snapshots

  A Start column (Dec 31 of last year) plus one column per month; totals stay pinned at the top while you type

• Year Review

  One printable page: month by month, by group, milestones with the month you reached them, and up to 6 years of history

Why you'll like it

• One number, once a month: net worth, what you own and what you owe calculate themselves
• It never breaks when you skip an account: the last balance carries forward and the account is flagged "Missing". Home and car values can update quarterly
• Milestones that celebrate progress: positive net worth, $10k, $25k, $50k, your goal, "Only the mortgage left" and "Debt-free", with the month you reached each
• What you own vs what you owe on one bar, your debt-to-asset ratio, and your money by group with amounts (cash, savings, investments, retirement, property, vehicles; mortgage, car, student loans, credit cards)
• "Your next moves": what to update this month, plus the wins (debts paid off, milestones reached)
• Month by month and year over year: a 12-month chart and a one-page Year Review
• Any currency; sample data included so you can see it working (clearing it takes a minute)
• Built by a data analyst: every number is a formula you can trace. No app, no bank login, no subscription

How you get it

1. 1

   Download on Etsy

   Buy the template on Etsy, then download START-HERE.pdf and the Excel .zip from your Purchases.

   How to download
2. 2

   Make a copy

   Click MAKE A COPY in the PDF: your own Google Sheet is saved to your Google Drive. Prefer Excel? Open the .xlsx.

   How to make your copy
3. 3

   Start

   Follow the Start Here tab. Type in the cream cells; the gray cells do the math for you.

   Clearing the sample data

You receive:

• START-HERE.pdf — Google Sheets link + quick guide
• net-worth-tracker-excel.zip — Excel version

Good to know

• You type the balances yourself; the file never connects to a bank.
• Home and car values are your own estimates.
• Best used on a computer; you can view it in the Google Sheets app on your phone.
• For personal use. Please do not resell or share the files.

A planning tool, not financial or investment advice.

Designed by me with the help of AI tools.