Net Worth Tracker
Made for people tracking their whole financial picture.
A workbook listing everything you own and everything you owe, with a monthly record of the figures and a summary of total assets, total debts and how your net worth has moved. The summary carries a chart that redraws itself as you type.
Of the 31 columns, you fill in 24 and the other 7 work themselves out, and all 15 figures on the summary do too. There is room for 380 rows of your own.
£4.99one payment, yours to keep
- Opens in Excel, Google Sheets and Numbers
- Delivered straight away
- No macros, nothing to install
- Change it free before you buy
Payment is handled by Stripe. Your card details go to them and never to us. Sales are final, which is why every tab, column and calculation is shown on this page first.
Already have a spreadsheet of your own? Check it for mistakes, free.
- A new row is typed into the Assets tab, one cell at a time, in the white cells a person fills in.
- The shaded cells in that row fill themselves in.
- The figures on the Summary tab change to include the new row.
- The chart, What your assets are made of, redraws with it.
Everything inside, before you pay
This is the whole design: every tab, every column and how each calculated one is worked out. White cells are yours to fill in; the shaded ones work themselves out and are locked so a formula cannot be overwritten by accident. There is room for 380 rows. Open any tab to see its columns.
Assets
7 columns
| Column | What goes in it | Worked out as |
|---|---|---|
| Asset | Type any text. | |
| Category | Pick one: Cash & Savings, Investments, Pensions, Property or Other Assets. | |
| Held With | The bank, provider or platform where this sits.Type any text. | |
| Current Value | Type an amount in £. | |
| Share of Assets | Fills itself in. | Worked out from this row's Current Value, using Current Value on Assets. The formulaIF(ISBLANK([current_value]), "", IFERROR([current_value]/SUM([Assets!current_value]), 0)) |
| Last Checked | Type a date. | |
| Notes | Type any text. |
Debts
9 columns
| Column | What goes in it | Worked out as |
|---|---|---|
| Debt | Type any text. | |
| Category | Pick one: Mortgage, Loans, Credit Cards or Other Debts. | |
| Owed To | Type any text. | |
| Balance Owed | Type an amount in £. | |
| Interest Rate | Yearly rate, for example 0.229 for 22.9 percent.Type a percentage, like 20%. | |
| Monthly Payment | Type an amount in £. | |
| Interest a Year | Fills itself in. | The Balance Owed times the Interest Rate. The formulaIF(ISBLANK([balance_owed]), "", ROUND([balance_owed]*[interest_rate], 2)) |
| Share of Debts | Fills itself in. | Worked out from this row's Balance Owed, using Balance Owed on Debts. The formulaIF(ISBLANK([balance_owed]), "", IFERROR([balance_owed]/SUM([Debts!balance_owed]), 0)) |
| Notes | Type any text. |
Monthly Record
15 columns
| Column | What goes in it | Worked out as |
|---|---|---|
| Month End | Use the last day of the month, so the change against the month before lines up.Type a date. | |
| Cash & Savings | Type an amount in £. | |
| Investments | Type an amount in £. | |
| Pensions | Type an amount in £. | |
| Property | Type an amount in £. | |
| Other Assets | Type an amount in £. | |
| Mortgage | Type an amount in £. | |
| Loans | Type an amount in £. | |
| Credit Cards | Type an amount in £. | |
| Other Debts | Type an amount in £. | |
| Total Assets | Fills itself in. | Worked out from this row's Month End, Cash & Savings, Investments, Pensions, Property and Other Assets. The formulaIF(ISBLANK([month_end]), "", [cash_savings]+[investments]+[pensions]+[property]+[other_assets]) |
| Total Debts | Fills itself in. | Worked out from this row's Month End, Mortgage, Loans, Credit Cards and Other Debts. The formulaIF(ISBLANK([month_end]), "", [mortgage]+[loans]+[credit_cards]+[other_debts]) |
| Net Worth | Fills itself in. | Worked out from this row's Month End, Cash & Savings, Investments, Pensions, Property, Other Assets, Mortgage, Loans, Credit Cards and Other Debts. The formulaIF(ISBLANK([month_end]), "", ([cash_savings]+[investments]+[pensions]+[property]+[other_assets]) - ([mortgage]+[loans]+[credit_cards]+[other_debts])) |
| Change on Month | Blank on the first month recorded, because there is nothing before it to compare with.Fills itself in. | Worked out from this row's Month End, Cash & Savings, Investments, Pensions, Property, Other Assets, Mortgage, Loans, Credit Cards and Other Debts, using Total Assets, Month End and Total Debts on Monthly Record. The formulaIF(ISBLANK([month_end]), "", IFERROR((([cash_savings]+[investments]+[pensions]+[property]+[other_assets]) - ([mortgage]+[loans]+[credit_cards]+[other_debts])) - (INDEX([Monthly Record!total_assets], MATCH(EOMONTH([month_end], -1), [Monthly Record!month_end], 0)) - INDEX([Monthly Record!total_debts], MATCH(EOMONTH([month_end], -1), [Monthly Record!month_end], 0))), "")) |
| Notes | Type any text. |
Summary
15 figures
| Figure | Worked out as |
|---|---|
| Total assets today | The total of Current Value on Assets. The formulaSUM([Assets!current_value]) |
| Total debts today | The total of Balance Owed on Debts. The formulaSUM([Debts!balance_owed]) |
| Net worth today | Worked out from Current Value on Assets and Balance Owed on Debts. The formulaSUM([Assets!current_value]) - SUM([Debts!balance_owed]) |
| Debts as a share of assets | Worked out from Balance Owed on Debts and Current Value on Assets. The formulaIFERROR(SUM([Debts!balance_owed])/SUM([Assets!current_value]), 0) |
| Debt repayments a month | The total of Monthly Payment on Debts. The formulaSUM([Debts!monthly_payment]) |
| Interest charged a year | The total of Interest a Year on Debts. The formulaSUM([Debts!yearly_interest]) |
| Months recorded so far | The number of rows on Monthly Record with Month End filled in. The formulaCOUNT([Monthly Record!month_end]) |
| Latest month recorded | The largest Month End on Monthly Record. The formulaIF(COUNT([Monthly Record!month_end])=0, "", MAX([Monthly Record!month_end])) |
| Net worth at the latest month | Worked out from Net Worth and Month End on Monthly Record. The formulaIFERROR(INDEX([Monthly Record!net_worth], MATCH(MAX([Monthly Record!month_end]), [Monthly Record!month_end], 0)) * 1, 0) |
| Change in the latest month | Reads zero until there are two months in a row on the Monthly Record tab. Worked out from Change on Month and Month End on Monthly Record. The formulaIFERROR(INDEX([Monthly Record!net_change], MATCH(MAX([Monthly Record!month_end]), [Monthly Record!month_end], 0)) * 1, 0) |
| Net worth when you started | Worked out from Net Worth and Month End on Monthly Record. The formulaIFERROR(INDEX([Monthly Record!net_worth], MATCH(MIN([Monthly Record!month_end]), [Monthly Record!month_end], 0)) * 1, 0) |
| Change since you started | Worked out from Net Worth and Month End on Monthly Record. The formulaIFERROR(INDEX([Monthly Record!net_worth], MATCH(MAX([Monthly Record!month_end]), [Monthly Record!month_end], 0)) * 1, 0) - IFERROR(INDEX([Monthly Record!net_worth], MATCH(MIN([Monthly Record!month_end]), [Monthly Record!month_end], 0)) * 1, 0) |
| Best net worth recorded | The largest Net Worth on Monthly Record. The formulaIFERROR(MAX([Monthly Record!net_worth]), 0) |
| Largest single asset | The largest Current Value on Assets. The formulaIFERROR(MAX([Assets!current_value]), 0) |
| Largest single debt | The largest Balance Owed on Debts. The formulaIFERROR(MAX([Debts!balance_owed]), 0) |
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