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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.

Tabs
4
Columns
31
Fill themselves in
22

£7one 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.

The workbook's summary and the table behind it
A row typed into the real file. Every figure that changes is the spreadsheet's own arithmetic.
The summary page, every figure calculated from the tables
The chart, drawn from the totals in the table beside it
What is inside: the tabs, the columns and what fills itself in
Where you type, and the shaded columns that work themselves out
The guide sheet that opens first and explains the file
Everything included in the download

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.

Assets

Everything you own, grouped into categories, with what it is worth today. Room for 120 rows.

ColumnTypeWorked out as
Assettext
Categorychoice (list)
Held Withtext
Current Valuecurrency
Share of AssetspercentIF(ISBLANK([current_value]), "", IFERROR([current_value]/SUM([Assets!current_value]), 0))
Last Checkeddate
Notestext

Debts

Everything you owe, grouped into categories, with the balance outstanding today. Room for 80 rows.

ColumnTypeWorked out as
Debttext
Categorychoice (list)
Owed Totext
Balance Owedcurrency
Interest Ratepercent
Monthly Paymentcurrency
Interest a YearcurrencyIF(ISBLANK([balance_owed]), "", ROUND([balance_owed]*[interest_rate], 2))
Share of DebtspercentIF(ISBLANK([balance_owed]), "", IFERROR([balance_owed]/SUM([Debts!balance_owed]), 0))
Notestext

Monthly Record

One row a month. Enter the category totals on the last day of each month and the workbook works out the rest. Room for 180 rows.

ColumnTypeWorked out as
Month Enddate
Cash & Savingscurrency
Investmentscurrency
Pensionscurrency
Propertycurrency
Other Assetscurrency
Mortgagecurrency
Loanscurrency
Credit Cardscurrency
Other Debtscurrency
Total AssetscurrencyIF(ISBLANK([month_end]), "", [cash_savings]+[investments]+[pensions]+[property]+[other_assets])
Total DebtscurrencyIF(ISBLANK([month_end]), "", [mortgage]+[loans]+[credit_cards]+[other_debts])
Net WorthcurrencyIF(ISBLANK([month_end]), "", ([cash_savings]+[investments]+[pensions]+[property]+[other_assets]) - ([mortgage]+[loans]+[credit_cards]+[other_debts]))
Change on MonthcurrencyIF(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))), ""))
Notestext

Summary

Where you stand today and how the picture has moved since you started recording.

MeasureWorked out as
Total assets todaySUM([Assets!current_value])
Total debts todaySUM([Debts!balance_owed])
Net worth todaySUM([Assets!current_value]) - SUM([Debts!balance_owed])
Debts as a share of assetsIFERROR(SUM([Debts!balance_owed])/SUM([Assets!current_value]), 0)
Debt repayments a monthSUM([Debts!monthly_payment])
Interest charged a yearSUM([Debts!yearly_interest])
Months recorded so farCOUNT([Monthly Record!month_end])
Latest month recordedIFERROR(MAX([Monthly Record!month_end]), "")
Net worth at the latest monthIFERROR(INDEX([Monthly Record!net_worth], MATCH(MAX([Monthly Record!month_end]), [Monthly Record!month_end], 0)) * 1, 0)
Change in the latest monthIFERROR(INDEX([Monthly Record!net_change], MATCH(MAX([Monthly Record!month_end]), [Monthly Record!month_end], 0)) * 1, 0)
Net worth when you startedIFERROR(INDEX([Monthly Record!net_worth], MATCH(MIN([Monthly Record!month_end]), [Monthly Record!month_end], 0)) * 1, 0)
Change since you startedIFERROR(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 recordedIFERROR(MAX([Monthly Record!net_worth]), 0)
Largest single assetIFERROR(MAX([Assets!current_value]), 0)
Largest single debtIFERROR(MAX([Debts!balance_owed]), 0)