Net Worth Tracker & Personal Finance Dashboard
This net worth tracker adds up every account you own and every debt you owe month by month, and separates the part of the growth you paid for yourself from the part the market handed you.
Money spread across a current account, two savings pots, a pension and a mortgage does not add up to a feeling. It adds up to a number, and the number only means something when you can watch it move month after month. Most people find out how the year went a year late — and never find out how much of it was actually them.
What is in it
- Ten linked tabs and 3,198 live formulas: START HERE, SETUP, ACCOUNTS, SNAPSHOTS, CONTRIBUTIONS, BY MONTH, BY ACCOUNT, BY TYPE, DEBTS and GOALS. Every summary reads itself from the tabs underneath.
- ACCOUNTS holds up to 40 accounts; SNAPSHOTS takes 700 balance lines, one per account per month.
- CONTRIBUTIONS — 400 lines, so what you paid in stays separate from what the market did, and debt you repay is counted as saving rather than spending.
- BY MONTH covers 60 months; BY ACCOUNT and BY TYPE break the same total down across thirteen categories.
- DEBTS prices what your borrowing costs a year against the return you assume on investing instead, so “clear it or invest it” becomes a comparison rather than an argument.
- GOALS measures the totals against what you are aiming at, including the 25x number.
Who it is for
Anyone who wants one number instead of six banking apps: several accounts across several institutions, a pension somewhere, a mortgage somewhere else, and no single place that says whether the whole thing is going the right way. It is also for anyone who wants to know whether a good year was their saving or just the market.
The worked example
Two years arrive already filled in: eleven accounts, 264 monthly balances and 169 contribution lines. Over that period net worth rises $81,145 — and goes backwards in two of the months, which is the part a screenshot never shows. Of that rise, $47,570 was money the household actually moved and $33,575 was the market and the house.
The same example separates what you are worth on paper from what you could actually reach: the household is worth $230,051 and could get to $43,729 of it — nineteen per cent. The DEBTS tab prices the other side of the balance sheet, where a card at 22.9% against an assumed 6% return costs about seventeen a year per hundred, and the borrowing in the example runs to $9,792 of interest a year.
How it works
Compatible with Microsoft Excel 2016 or newer on Windows or Mac, Google Sheets, and LibreOffice. No macros, no add-ons, no account to create, nothing to install.
The download has two workbooks: one with the example above already filled in, so you can see what every column expects, and the same file completely blank for your own figures. A plain-English guide comes as a PDF. Buy it on Etsy — $9
Sold through my Etsy shop, ThePlainLedger, so the download, the payment and the buyer protection are all handled by Etsy.
Questions people actually ask
How does this spreadsheet work out my net worth?
You enter one balance per account per month on the SNAPSHOTS tab, and the file totals assets, subtracts debts and charts the result across up to 60 months. Contributions are logged separately, so it can also tell you how much of any rise you paid for yourself. In the two-year example net worth rises $81,145, of which $47,570 was money the household actually moved.
Who is a net worth tracker actually useful for?
It suits anyone whose money sits in several places at once — a current account, savings, a pension, investments and a mortgage — with no single screen showing the total. It holds up to 40 accounts across thirteen types, so most households fit comfortably. It is most useful to people who want to know whether a good year was their saving or just the market.
I do not have two years of old balances — can I still start?
Yes — start with this month's balances and add one row per account each month from here on. The dashboards work from the first snapshot and get more useful with every month you add. The two years in the example are there so you can see what a filled file looks like before your own history exists.
Does it run in Google Sheets and LibreOffice?
Yes — it is built as .xlsx and all 3,198 formulas carry over to Google Sheets via File, then Import, then Upload, choosing Replace spreadsheet. Excel 2016 or newer works on Windows and Mac, and LibreOffice Calc opens it too. There are no macros and no add-ons to enable.
Does it connect to my bank accounts or give investment advice?
No — it makes no bank connections and gives no investment advice; you type the balances in yourself. It cannot value a house automatically, its projections are straight lines rather than forecasts, and it handles a single currency. The file lives on your own computer, so no account details leave it.
Need it built around your business?
The file assumes one household, one currency and balances you type in yourself once a month. If yours works differently — accounts in two currencies, assets held jointly with someone whose share you want tracked separately, a business you want valued alongside the personal side, or projections that need something other than a straight line — I can rebuild the same arithmetic around it.
All other templates are listed on the Excel & Google Sheets Templates page.