Net Worth & Financial Independence Tracker — Track Accounts, Net Worth, Savings Rate & FI Progress

🔥 Net Worth & Financial Independence Tracker — Instant Download Template

Track every account in one place, follow your net worth month by month and see where you stand against your FI number.

A ready-to-use Excel workbook for individuals and couples. It brings your accounts, monthly balances, contributions, savings rate and an FI calculator into one file, with a Dashboard that updates from every tab. Six working tabs plus START HERE and Settings, in one file.

✨ What You Get Inside

- START HERE: step-by-step setup, a map of every tab and my contact email

- Settings: household name, withdrawal rate and expected real return (editable assumptions, labelled as illustrations), current age, target FI age, optional annual expenses and investing overrides, first month, and every dropdown list (15 account classes, each set as asset or liability and whether it counts toward FI; owner Me / Partner / Joint; contribution types; a 48-month list from your first month)

- Accounts: class, owner and liquid Yes / No for every account, with asset or liability, counts toward FI, latest month, latest balance, net worth effect and share of assets (entry rows 7 to 500, 494 rows)

- Monthly Snapshots: one row per account per month (month, account, balance); class, asset or liability, signed balance, owner and counts toward FI fill in from Accounts (entry rows 7 to 500, 494 rows)

- Contributions: money into savings and investment accounts by contribution type, with 12-month, employer-match and all-time totals (entry rows 7 to 500, 494 rows)

- Savings Rate: 48 months from your first month with take-home income, spending, amount saved, savings rate, amount invested, net worth and change vs the prior month, plus 12-month totals

- FI Calculator (printable): FI number (annual expenses ÷ withdrawal rate), invested assets, FI progress %, years to FI and FI age, a Coast FI number at your target age, a withdrawal-rate table for 5 rates from 3% to 5%, and a 30-year projection in real (after-inflation) terms

- Dashboard: 8 KPI cards (net worth, change vs last month and vs last year, debt outstanding, FI progress, years to FI, FI number, 12-month savings rate) and 3 charts (net worth over the last 24 months, assets vs debts, assets by class)

💡 Who This Is For

- Individuals who want to track net worth month by month

- Couples tracking accounts that are mine, yours and joint

- Anyone who follows a financial independence (FI) number and wants to see where they stand

- People who want every account and debt in one private file

🔄 Before & After Using This Template

- Before: Balances spread across different apps / After: Every account and debt in one list with its latest balance

- Before: No picture of net worth over time / After: A monthly net worth history with change vs last month and vs last year

- Before: An FI number worked out once and forgotten / After: An FI calculator that updates from your own balances, spending and contributions

🏆 What Makes This Template Better

- Monthly Snapshots feed Accounts, the FI Calculator and the Dashboard, so you enter each balance once

- Live formulas throughout, so totals and charts update as you type

- Every dropdown list lives on Settings, so you can rename classes and contribution types to fit your accounts

- Formula cells are pre-locked and shaded gray; sheet protection is off, so you can switch it on to prevent accidental edits

- Rows marked EXAMPLE DATA show how each tab works before you add your own numbers

- One ready .xlsx file: no zip to unpack

⚡ Get Results in Minutes

- Download instantly

- Open in Excel 2019 or later, Microsoft 365, or Google Sheets

- Set your assumptions and first month on Settings, add your accounts, then replace the EXAMPLE DATA rows

- Start using it immediately

Compatibility: Needs Excel 2019 or later (or Microsoft 365, or Google Sheets) because it uses the MAXIFS function, so it will not work fully in Excel 2016 or earlier. No macros.

All FI figures are illustrations based on the assumptions you enter, not forecasts or financial advice.

Sample data is fictional. Replace it with yours.

🔒 Instant Access

Once you purchase, you get immediate access to your files.

Need it tailored? Get a Custom Build of this tracker built around your own accounts and goals: https://payhip.com/b/Vs6m3

We’re a new store, but our digital tools are built to save you time, simplify your workflow, and help your business grow. Your trust matters — and every product is designed to deliver real results.

Thank you for supporting a growing brand.

— Kyle P. Herrick, Founder

✔️ Satisfaction Guarantee

If this template doesn’t help you save time or improve your workflow, message me and I’ll make it right. Your success matters.

💬 Need Help?

Message me anytime — I’m here to help you get the most out of your templates. You can also email herrickkyle87@outlook.com (the address is on the START HERE tab too).

🚀 Ready to Use This Template?

Click “Buy Now” to get instant access and start using it today.

Organization tool only; not tax, legal, accounting or financial advice.