Google Sheets and Excel · version 1.0

Net Worth Tracker

Watch your net worth grow, month by month.

Type each thing you own and each debt once. Once a month, type each balance. The sheet shows your net worth, the change from last month, a chart of the year and one clear line, like "Up $12,030 since January".

$2.98one-time · instant download

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Works on your phone with the free Google Sheets app
Also Microsoft Excel 2010 or newer
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Net Worth Tracker on a phone: net worth $4,900 in October 2026, up $12,030 since January, with a chart

How it works

1
MY ACCOUNTS
Name each thing you own and each debt, and pick a type from the list. Room for 15 of each.
5 minutes, one time
2
MONTHLY BALANCES
Once a month, type each balance under the month. Type debts with no minus sign.
2 minutes a month
3
MY NET WORTH
Nothing to type. Read your net worth, the change and the chart.
0 minutes

Skip a month? No problem. The sheet uses the latest month you filled in.

See it

October 2026: $29,210 you own, $24,310 you owe, net worth $4,900, plus $1,380 from September and Up $12,030 since January — Your net worth in one line

Bar chart of net worth for each month of 2026, from minus $7,130 in January to $4,900 in October — All 12 months in one chart

Balances typed under each month from January to October for 5 things you own and 3 debts, with totals and net worth — Type each balance once a month

October totals by type: $13,530 in retirement is 46% of what you own, and $17,850 in student loans is 73% of what you owe — Totals by type

Net worth and the chart in the light and dark versions on two phones — Light and dark files included

Orange Check notes for letters in a money box, a minus sign on a debt, a month you forgot and two accounts with the same name — Typos get caught

What's inside: 4 tabs

START HERE: The 2 steps, the colors and an "Is everything OK?" check.
MY ACCOUNTS: Up to 15 things you own and 15 debts, each with a type from a list: cash, savings, retirement, investments, home, car, mortgage, car loan, student loan, credit card or other.
MONTHLY BALANCES: 12 months on one tab, one box for each account each month. Totals, net worth and the change for each month.
MY NET WORTH: Your net worth now, the change from last month and since January, the biggest mover, a chart of the 12 months, a table for each month and totals by type.

Made to be easy

You type only in the yellow boxes. Example numbers show how it works.
One clear line, like "Up $12,030 since January". Green when it goes up, amber when it goes down.
Biggest mover: the one account that changed your net worth the most since last month.
Type debts as plus numbers. The sheet takes them away for you.
A house or a car? Type what it is worth today, if you sold it.
Paid off a debt? Keep its line and type 0.
Orange "Check" words catch typos, like a minus sign on a debt or a month you forgot.

What it counts

Up to 15 things you own and 15 debts
Your net worth for each month of the year
The change from last month and since January
The account that moved the most
Totals by type, like retirement or credit cards, and the share of each
A chart of all 12 months

What you get

Net_Worth_Tracker.xlsxThe light version, filled with example numbers
Net_Worth_Tracker_Dark.xlsxThe same sheet with a dark look. Pick the one you like
Quick Start Guide (PDF)Short plain-English steps, and buttons that make your own copy in Google Sheets

Works on

Google Sheets (free), on your phone or computer. The guide has buttons to make your own copy.
Microsoft Excel 2010 or newer.
No macros. No add-ons. No account with us.

What it does not do

No bank link. You type your own balances.
It does not tell you what to buy, sell or pay. Not financial advice.

Ready to see where you stand?

$2.98. Pay once and download right away. Open the guide, make your copy, type your accounts and this month's balances. About 7 minutes.

Buy on Etsy

What you get: the light file, the dark file and a quick start guide

Questions people ask

How do I get the files?

This is a digital download. Nothing is shipped. After you pay on Etsy, download the files from your Etsy account (Purchases). Open the PDF guide first.

Does it work on my phone?

Yes. Use the free Google Sheets app. The guide has buttons to make your own copy, light or dark. It also works in Microsoft Excel 2010 or newer.

What is net worth?

What you own minus what you owe. Add up your bank, savings, retirement and what your car or home is worth. Take away your loans and card balances. What is left is your net worth. It can be below zero. What counts is that it goes up.

How often do I type?

Once a month is enough. The 1st of the month is easy to remember. It takes about 2 minutes. Skip a month, and the sheet uses the latest month you filled in.

What do I type for my house or car?

What it is worth today, if you sold it. The loan on it goes in your debts, as a plus number.

What happens next year?

The sheet holds one year, January to December. For a new year, make a new copy. Or type the new year at the top of MONTHLY BALANCES and type over the balances.

Something is not working. What do I do?

Send us a message on Etsy. We answer and fix it. If we can't, we review your case for a refund.

Good to know

The numbers inside are examples: a young family that goes from below zero in January to $4,900 in October. Type yours over them.
You can start any month. January is a nice start: one year, one tab, one chart.
This is a planning tool. It is not tax, legal or financial advice.
Single-user license: for you and your home. Please do not resell or share the files.
We design every spreadsheet. We use AI tools to help write and test some formulas and text. Every formula is tested before sale.