Template
Free net worth spreadsheet (Excel and Google Sheets)
A free net worth spreadsheet that adds up what you own, subtracts what you owe, and keeps a monthly history, with a dashboard of charts. It works in Excel and Google Sheets, handles accounts in other currencies, and takes about ten minutes to set up.
Free, no email. Opens in Excel, Google Sheets and Numbers.
What is in the spreadsheet
Five tabs, with example rows you overwrite:
- Snapshot. One row per account, up to 200: name, asset or liability, category, currency and balance. It totals your assets, your debts and your net worth in your base currency.
- Dashboard. Net worth over time, assets by category, currency exposure, assets against debts, monthly and 12-month change, and progress to a target you set.
- History. One row per month with the change from the month before. Optionally record what you saved, and it shows how much of the change came from markets instead.
- Settings. Your base currency, a net worth target, one exchange rate per currency, and the category list, including stocks and ETFs, crypto, bonds, a business and money owed to you.
- How to use. The setup and monthly steps below, inside the file.
Debts are entered as positive amounts and subtracted for you, which avoids the most common spreadsheet mistake: a mortgage typed as positive and counted as an asset.
How to set it up in ten minutes
- Open the file and set your base currency on the Settings tab.
- List every account, one per row: current accounts, savings, investments, pensions, property, vehicles, then every loan and card.
- Mark each one Asset or Liability. Enter debts as positive numbers.
- For each other currency you hold, enter its rate on Settings once. Every account in that currency uses it.
- Value a home or car at what it would sell for today, not what you paid. A pension is the value on its latest statement.
- Copy total assets and total liabilities into the first row of the History tab.
Using Google Sheets: upload the file to Google Drive and open it with Google Sheets, or use File, Import in a blank sheet. The formulas and charts carry over, and in Sheets the exchange rates can update themselves: the Settings tab shows the GOOGLEFINANCE formula to use for each currency.
A monthly routine that keeps it honest
Pick a fixed day, such as the first of the month, and keep it. Update each balance from your bank, broker and pension apps, refresh exchange rates, then add a row to History with the new totals as plain numbers rather than formulas, so last month never changes under you.
Monthly is enough. Net worth moves slowly, and checking daily mostly measures market noise. The History tab is where the spreadsheet earns its keep: a year of rows shows whether you are actually moving forward.
Where spreadsheets start to hurt
A spreadsheet is a fine net worth tracker for years. These are the four things that usually make people stop:
- Share and fund prices. Every holding needs its price typed, or a lookup formula that breaks when a ticker changes.
- Currencies. Each rate is another number to look up, and last month's rate silently stays in place if you forget.
- History. Forget one month and the chart has a hole that is hard to fill later.
- Phones. Editing a wide sheet on a phone is miserable, so updates wait for a laptop.
Spreadsheet or app?
| Spreadsheet | NetWorthTrackr | |
|---|---|---|
| Price | Free | Free |
| Control over layout and formulas | Total | Fixed screens |
| Stock, ETF and crypto prices | You type them | Update automatically |
| Currencies | You look up each rate | 31, converted nightly at ECB rates |
| Monthly history | You copy it in | Kept automatically |
| On a phone | Awkward | Works in the browser |
| Bank login needed | No | No |
Stay with the spreadsheet
- You enjoy building and tweaking formulas
- Your accounts are mostly cash and pensions
- Everything is in one currency
Nothing beats it for control.
Move to an app
- You hold shares, ETFs or crypto
- Your money sits in more than one currency
- You keep skipping months
The chores are the part an app removes.
NetWorthTrackr is free and never asks for a bank login, so moving loses none of the privacy a spreadsheet gives you. There is no import from a spreadsheet yet: you add each account once, which takes about as long as setting up this template. Compare it with other apps in the best net worth tracker apps.
Common questions
Yes. Download it, copy it and change it however you like. There is no email gate and nothing to sign up for.
Yes. Upload the .xlsx to Google Drive and open it with Google Sheets, or import it into a blank sheet. The formulas use SUMIFS, INDEX and MATCH, which behave the same in both.
Yes, at what it would sell for today, with the mortgage entered as a liability. Your net worth then counts only your equity. Some people also track net worth without the home to see their liquid position.
Enter the balance in its own currency, and the rate for that currency once on the Settings tab. Every account in that currency converts with it. In Google Sheets the rate can update itself with GOOGLEFINANCE; in Excel you update it each month.
Once a month is enough. Pick a fixed day, update balances and rates, and add one row to the History tab.
Not yet. You add each account once by hand, which takes about ten minutes. After that, listed holdings price themselves and currencies convert nightly.