Net Worth Tracker: Monthly Assets, Debts & Net Worth Goal Spreadsheet (Excel + Google Sheets)

The Net Worth Tracker is a spreadsheet template for Microsoft Excel and Google Sheets that tracks everything you own and everything you owe, month by month, so you can see whether you're moving forward. Type each account balance once a month and it calculates your net worth, monthly change, debt-to-asset ratio and progress toward a net worth goal.

WHAT'S INCLUDED

• Net-Worth-Tracker_BLANK.xlsx: ready for your numbers

• Net-Worth-Tracker_EXAMPLE.xlsx: a sample couple with 12 accounts and 12 months of balances so you can see how it works

• Download guide (PDF) with step-by-step Excel and Google Sheets setup

7 TABS

Start Here (built-in quick-start notes) · Setup · Accounts · Monthly Balances · Summary · Goal · Dashboard

Room for 30 accounts and 24 months. Dropdown menus, locked formula cells (no password) and frozen headers.

KEY FEATURES

• One row per month, one column per account: savings, investments, retirement, home, car, loans and cards

• Assets and debts sorted for you by each account's type; enter debts as positive amounts owed

• Monthly summary: assets, debts, net worth, change and % change for every month entered

• Debt-to-asset ratio each month

• Goal tab: progress to your goal, growth needed per month to hit your date, and On pace or Behind pace

• Accounts tab: first and latest balance and the change for every account

• Dashboard: net worth, change since you started, this month's change, total debt, goal progress and 4 charts

HOW IT WORKS

1. Buy and download instantly: your download page opens right after checkout, and the link is also emailed to you.

2. On a computer, open the BLANK file in Microsoft Excel, or upload it to Google Drive and open it with Google Sheets (the PDF guide shows both).

3. Start on the Start Here tab and type your numbers into the blue cells. The grey formula cells, summaries and dashboard charts update automatically.

4. Open the EXAMPLE file any time to see how a filled-in version looks.

COMPATIBILITY

✔ Microsoft Excel (Windows and Mac desktop, Microsoft 365)

✔ Google Sheets (free): upload the .xlsx to Google Drive, then Open with Google Sheets.

✘ Not designed for Apple Numbers or phone screens. A computer is recommended.

FREQUENTLY ASKED QUESTIONS

Q: Does it work in Excel and Google Sheets?

A: Yes. It works in Microsoft Excel (Windows or Mac desktop, or Microsoft 365) and in Google Sheets, which is free with a Google account. It isn't designed for Apple Numbers.

Q: Should I use Google Sheets or Excel?

A: Either works: the formulas, dropdowns and charts work in both. Choose Excel if you want to keep the file on your computer. Choose Google Sheets if you want a free, browser-based option you can open anywhere. For Google Sheets, upload the .xlsx file to Google Drive, right-click it and choose Open with > Google Sheets, then File > Save as Google Sheets.

Q: Can I use it on my phone or tablet?

A: It's designed for a computer screen, not a phone. Phones often can't open .xlsx downloads, so download and set it up on a computer. Once it's saved as a Google Sheet, you can open it in the Google Sheets mobile app to check your numbers, but a computer is best for setup and data entry.

Q: How do I download it?

A: Right after checkout your download page opens, and the download link is also emailed to you. Download all the files on a computer, then follow the PDF guide to open the BLANK file in Excel or Google Sheets.

Q: Can I customize it?

A: Yes. Enter your first month, net worth goal, goal date and your own asset and debt categories on the Setup tab, then list your accounts. Formula cells are locked without a password so they can't be overwritten by accident. To change formulas or the layout, unprotect the tab: Review > Unprotect Sheet in Excel, or Data > Protect sheets and ranges in Google Sheets.

Q: Can I get a refund?

A: Yes, within 14 days of purchase, in two cases: a file has a problem I can't fix, or you bought the same product twice by mistake. Email todorgan@gmail.com with your order details.

GOOD TO KNOW

• This is a digital product. Nothing will be shipped.

• Nothing connects to your bank: you type balances in yourself, so no logins are shared.

• A tracking tool, not financial advice.

• For personal use. Please don't share or resell the files.

• Questions or a problem with a file? Email todorgan@gmail.com.

AI disclosure: this template was designed with the help of AI tools. The formulas, layout and example data were reviewed and tested before release.