Net Worth Tracker

A net worth tracker that keeps history, for people who want the curve rather than today's number.

Assets and liabilities each get a categorised list with a share of the total and a second-currency column at a rate you set. Once a month you copy two totals into a snapshot row. Thirty-six of those rows build a trend with a three-month average through it, the months that went backwards counted, and the average monthly change.

WHAT'S INSIDE

Dashboard - where you are, which way you are going, and the curve

Start Here - how the file works and which cells are yours

Assets - what you own, by category, with a second-currency column

Liabilities - what you owe, the same way

Monthly Snapshot - one typed row a month for three years, with today's totals at the top to copy down

Trend - months logged, latest, highest, lowest, months that fell

THE PART NOBODY ELSE BUILDS

The snapshot rows are typed rather than linked, and that is deliberate. If each month pulled from your holdings, then updating what your car is worth today would silently rewrite last March, and the history you bought the file for would stop being true. History has to survive editing the present, and the only way to guarantee that is for it not to be a formula. The three-month average stays blank until three months exist, because an average of one point is that point wearing a different label.

WHAT YOU GET

Excel workbook (.xlsx)

Google Sheets template - one click to copy

Setup instructions (PDF)

Free updates for life

BEFORE YOU BUY

Works in Microsoft Excel 2016 and later, and in Google Sheets. No app, no account. It does not read live prices, connect to a bank or value anything for you; you type what you own. Amounts in USD, with a second-currency column at your own rate. Digital download, all sales final.