Net Worth Tracker
Assets minus liabilities, tracked over time — list what you own and owe, and the sheet computes subtotals, net worth, and the change since last period.
Preview
The workbook ships with the example values below plus blank rows — every total is a live formula.
| Item | Current | Previous | Change |
|---|---|---|---|
| ASSETS | |||
| Checking | $3,400.00 | $3,100.00 | +$300.00 |
| High-yield savings | $18,200.00 | $16,800.00 | +$1,400.00 |
| Retirement accounts | $47,500.00 | $44,900.00 | +$2,600.00 |
| Car (market value) | $14,000.00 | $14,500.00 | −$500.00 |
| Total assets | $83,100.00 | $79,300.00 | +$3,800.00 |
| LIABILITIES | |||
| Credit card balance | $2,300.00 | $3,100.00 | −$800.00 |
| Car loan | $11,500.00 | $12,700.00 | −$1,200.00 |
| Student loans | $18,000.00 | $19,200.00 | −$1,200.00 |
| Total liabilities | $31,800.00 | $35,000.00 | −$3,200.00 |
| NET WORTH | $51,300.00 | $44,300.00 | +$7,000.00 |
How to use it
- List every asset with its current value and last period’s value (copy the old column forward).
- Do the same for liabilities — balances you owe, as positive numbers.
- Change columns, subtotals, and net worth are all formulas.
- Update quarterly rather than obsessively; net worth is a trend line, not a day-to-day score.
Related online calculators
Free for personal use. The file contains no macros — just data, formatting, and standard spreadsheet formulas that work in Excel, Google Sheets, and LibreOffice.