Net Worth Tracker Spreadsheet: Excel & Google Sheets Finance Dashboard

NET WORTH TRACKER & PERSONAL FINANCE DASHBOARD — Excel and Google Sheets

Ten linked tabs with two years already filled in: eleven accounts, 264 monthly balances, 169 contribution lines. Net worth rises $81,145 over the period and goes backwards in two of the months. Nothing is blank, so you can watch every column behave before you touch it.

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THE COLUMN THAT MAKES THIS DIFFERENT
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A net worth line going up tells you almost nothing, because two completely different things push it up and they deserve completely different amounts of credit.

One is MONEY YOU MOVED: what you saved, what you invested, the principal you paid off a loan. The other is EVERYTHING ELSE: markets, house prices, a car quietly losing value. You control the first entirely and the second not at all.

In the worked example, net worth rose $81,145 in two years. $47,570 was money the household actually moved. $33,575 was the market and the house. Fifty-nine per cent of it was them.

And in October 2025 they saved exactly what they always save — $2,190 — and net worth FELL by $2,393, because the market took $4,583. A file that only shows the total would have told them they had gone backwards. They had not.

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THE NINE TABS
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1. START HERE — what each tab does, the colour rules, the honest limits
2. SETUP — six things you type, then the whole position underneath
3. ACCOUNTS — 40 accounts: asset or debt, what kind, and reachable or not
4. SNAPSHOTS — 700 lines. One balance per account per month
5. CONTRIBUTIONS — 400 lines of money you actually moved
6. BY MONTH — 60 months split into you and everything else, plus today's money
7. BY ACCOUNT — now against a year ago, and which half was you
8. BY TYPE — thirteen kinds of thing, plus reachable against locked up
9. DEBTS — rates, yearly interest cost, and months to clear
10. GOALS — savings rate, months of runway, and the 25x number

3,198 live formulas. Every summary reads itself from the tabs underneath.

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FOUR THINGS IT DOES THAT OTHER TRACKERS DO NOT
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▸ SEPARATES YOU FROM THE MARKET. Every month, every account. Without it a rising chart is a picture of the stock market with your name on it.

▸ TELLS NET WORTH FROM MONEY. The example household is worth $230,051 and could reach $43,729 of it — nineteen per cent. The rest is a house they live in and a pension they cannot open for twenty-two years.

▸ COUNTS DEBT REPAYMENT AS SAVING. Four hundred off a mortgage does the same thing to your net worth as four hundred into a fund. Interest does not count, because it never became yours.

▸ PRICES YOUR DEBT AGAINST YOUR RETURN. $9,792 of interest a year in the example. The card is at 22.9% against an assumed 6% return, which means investing instead of clearing it costs about seventeen a year per hundred.

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WHAT YOU GET
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• Net_Worth_Tracker_Dashboard.xlsx — the workbook, two years of worked example inside
• 00_START_HERE.pdf — a written guide: the ten-minute monthly routine, what counts as a contribution, how to value a house honestly, and where numbers go wrong

Instant download. Nothing arrives by email, nothing to install.

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TWO COPIES IN THE DOWNLOAD
One workbook has the worked example filled in, so you can see what every column expects before you touch anything. The second is the same file completely blank — same tabs, same formulas, same charts — ready for your own numbers from the first row. Start on whichever suits you.


WORKS WITH
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• Microsoft Excel 2016 or newer, Windows or Mac
• Google Sheets — upload the file and open it with Sheets
• LibreOffice Calc — free, and everything works
• Any currency, any country. No macros, so there is nothing to enable.

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HONEST LIMITS — READ BEFORE BUYING
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✗ It is not investment or financial advice. The return and inflation figures are assumptions you type, used for one projection line. Nothing here recommends anything.

✗ It does not connect to your bank. You type the balances. That is also why it works offline, forever, with no subscription, no account and nothing shared with anyone.

✗ It cannot value your house. That figure is a number you type. If it is wrong, everything downstream of it is wrong in the same direction.

✗ The years-to-go line is a straight-line guess. It assumes a constant return, constant saving, no career break and no crash. Every one of those is false. The assumptions are printed next to the number instead of hidden behind it.

✗ One currency, one household. No conversion, and no splitting between people beyond a Whose column.

✗ Capacity: 40 accounts, 60 months, 700 snapshot lines, 400 contribution lines, 20 debts.

All of this is in the file too, on the Start Here tab. It is here so you can decide before you pay rather than after.

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HOW I WORK
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I never ask for shop access. No password, no manager invite, no app permissions, no bank connection. You buy the file, you download it, that is the whole transaction.

Something wrong with the file? Message me through Etsy and I will fix it.

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LICENCE: for your own household. Reselling, sharing or redistributing the file is not allowed.

DIGITAL PRODUCT: because it downloads instantly, this item is not returnable. Everything the file does and does not do is written above and in the images, so you can decide before you buy.

Tags: net worth tracker, personal finance spreadsheet, wealth tracker, assets and liabilities, financial dashboard, savings rate, investment tracker, excel template, google sheets