Net Worth Tracker Spreadsheet, Assets and Debts with Charts for Excel & Google Sheets

See where you really stand, and watch it grow.

The Net Worth Tracker turns a few minutes a month into a clear picture of your finances. List your accounts once, type each balance once a month, and it adds up your assets and debts, calculates your net worth, and charts your progress over 24 months.

WHAT'S INCLUDED
• Dashboard: net worth, total assets, total debts, change vs. last month and vs. last year, and debt-to-asset ratio
• Net worth trend line chart and an assets vs. debts chart
• Breakdown by category: cash, investments, retirement, property, vehicles / mortgage, auto loans, student loans, credit cards and more (categories are editable)
• Year 1 and Year 2 monthly balance grids: up to 25 assets and 15 debts, 24 months
• Trend tab with month-over-month and year-over-year change and debt-to-asset ratio for every month
• Milestone tracker: set your own net worth goals and see the first month you reached each one
• Start Here guide
• Two files: a blank tracker and a filled-in example

WORKS WITH
• Microsoft Excel (2010 or later, Windows and Mac, and Excel online)
• Google Sheets (free): upload the file to Google Drive and open it with Google Sheets

HOW IT WORKS
1. Purchase and download instantly from your Etsy Purchases page.
2. Open the file in Excel, or upload it to Google Drive and open it in Google Sheets.
3. List your accounts, then type your balances once a month.

PLEASE NOTE
• This is a digital download. No physical item will be shipped.
• This tracker doesn't connect to your bank. You type in your own balances.
• Amounts are in US dollars ($). Currency formatting can be changed in your spreadsheet app.
• For personal use. Please don't resell or share the file.
• Not financial advice.

How we make it: Every Penny & Pencil template and worksheet is designed in-house with AI-assisted tools, then each page, formula and answer key is checked and tested before it is listed.

Questions? Send us a message. We usually reply within a day.