Net Worth Tracker Spreadsheet for Google Sheets and Excel, Investment Portfolio and FIRE Tracker

✦ Track your net worth, investments and path to financial independence in one beautiful, fully automated spreadsheet ✦

Know exactly where you stand. Type your account balances once a month and this calm navy-and-gold workbook builds your net worth history, charts your growth, tracks every investment holding and dividend, and shows how many years you are from financial independence using the 4% rule. Works in Google Sheets AND Microsoft Excel. It's undated, so you can start any month. No formulas to write, no macros, no add-ons, no subscription and no bank connection.

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✦ WHAT'S INCLUDED (9 TABS)
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★ START HERE: your name, start month (any month), currency symbol, net worth goal, age, target FI age, yearly spending in retirement, safe withdrawal rate (4% rule), expected return, take-home income and monthly investing
★ DASHBOARD: net worth, change this month, 12-month change, FI progress, total assets, total debt, debt-to-asset ratio, next milestone, progress bars for your net worth goal, FI and debt paid off, a net worth over time chart, an assets-by-category donut, a portfolio allocation donut, investments at a glance and milestone badges
★ ASSETS: up to 25 accounts and items (cash, investments, retirement, property, vehicles, other) with 36 monthly snapshot columns. A blank cell carries last month's value forward, so you only update what changed. Latest value and change vs last month are calculated for you
★ LIABILITIES: up to 20 debts (mortgage, auto, student, credit card, personal, medical, other) with rate, monthly payment and 36 monthly balances, plus total debt, debt paid off since you started and estimated monthly interest
★ NET WORTH HISTORY: builds itself. 36 months of assets by category, total assets, total debt, net worth, change, growth %, debt-to-asset ratio and 12-month change, with a net worth chart and an assets vs debt chart
★ INVESTMENT PORTFOLIO: up to 40 holdings with ticker, account type, asset class, shares, cost basis and the current price you type in. Value, gain/loss in $ and %, weight, dividend income and yield, allocation vs your target % with buy/sell rebalance amounts, totals by account type and an allocation chart
★ CONTRIBUTIONS LOG: up to 500 contributions, dividends, interest payments and withdrawals. Contributed this year, dividends + interest year to date, dividends over the last 12 months, a 12-month table and chart, and totals by account type
★ FI CALCULATOR: your FI number, FI progress, gap, years to FI, FI age and year, Coast FI number, savings rate, passive income now, a "what if I invest more" box and a 40-year projection chart
★ DEBT & MILESTONES: debt-to-asset ratio with a health rating, each debt's start balance, paid off, % paid, interest per month and months to payoff, debt by category, and net worth milestone badges from positive net worth to $10K, $100K and $1M, showing the month you reached each one

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✦ FEATURES
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✓ Fully automated: everything calculates as you type
✓ Undated: pick any start month and track for 3 years
✓ Works in Google Sheets and Microsoft Excel (Windows, Mac, Excel for the web)
✓ No live price feeds: you type the prices, so it works the same in Excel and Google Sheets and nothing breaks
✓ Any currency: choose $, £, €, ¥, ₹, A$, C$, R, kr or ₱ for the summary cards
✓ Dropdowns for categories, account types, asset classes and log types
✓ Formula cells are locked so you can't break anything by accident (no password, so you can unlock them any time)
✓ Includes a copy with clearly labeled example data so you can see how it works, plus a BLANK copy to start fresh
✓ Calm navy, gold and coral design with cream "type here" cells
✓ No macros, no add-ons, no subscription. It's yours to keep.

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✦ YOU WILL RECEIVE
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• Net-Worth-Investment-Tracker-BrightbudgetsCo.xlsx (with example data)
• Net-Worth-Investment-Tracker-BrightbudgetsCo-BLANK.xlsx (ready for your own numbers)
• A 2-page instructions PDF with your Google Sheets template link (click › "Make a copy")

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✦ COMPATIBILITY
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• Google Sheets (free Google account), in a browser or the Google Sheets app
• Microsoft Excel 2013 or newer, Excel for Mac, Excel for the web / Microsoft 365
• Use a computer for the first setup. After that, update balances on your phone or tablet in the Google Sheets or Excel app.
• Not made for Apple Numbers, GoodNotes or other PDF planner apps

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✦ HOW TO ACCESS
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1. After purchase, go to You › Purchases and reviews › Download files. Etsy also emails you a download link.
2. Google Sheets: open the PDF, click the template link and choose "Make a copy". Or upload the .xlsx to Google Drive and open it with Google Sheets.
3. Excel: double-click the .xlsx file and click "Enable Editing" if asked.
4. Start on the "Start Here" tab. Setup takes about 10 minutes.

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✦ FAQ
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Q: Is it dated?
A: No. Choose any start month and you get 36 monthly columns from there.

Q: Do I need Excel?
A: No. A free Google account and Google Sheets is all you need.

Q: Do stock prices update automatically?
A: No. You type in the current price whenever you check your accounts (monthly is plenty). That keeps it working the same in Excel and Google Sheets, with no add-ons.

Q: Does it connect to my bank or brokerage?
A: No. You type your own balances, so nothing is linked to your accounts and your data stays private.

Q: What if I don't update an account every month?
A: Leave the cell blank and the last balance carries forward. Enter 0 when you close an account or pay off a debt.

Q: What is the FI number?
A: The amount invested that could cover your yearly spending using a safe withdrawal rate. With the 4% rule, that's your yearly spending × 25. You can change the rate and the expected return.

Q: How do I clear the example data?
A: Use the included BLANK file, or select the cream cells and press Delete. The formulas stay safe.

Q: Does it use macros?
A: No. There are no macros or scripts. It's plain formulas that work in both Google Sheets and Excel.

Q: Will I receive a physical product?
A: No. This is a digital download and nothing will be shipped.

Q: Can I share it?
A: It's for personal use only. Please don't share, resell or redistribute the files or the template link.

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✦ PLEASE NOTE
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• Because this is a digital item with instant access, returns, exchanges and refunds are not accepted. If something isn't working, please send us a message through Etsy and we'll help you sort it out.
• This tracker is an organizing and planning tool, not financial, investment or tax advice. FI projections are estimates based on the numbers you enter, and real returns vary. Example tickers and prices are illustrations only, not recommendations.
• Colors may look slightly different depending on your screen.

© 2026 BrightbudgetsCo. For personal use only.

How it's made: I design every BrightbudgetsCo product myself and build it with digital tools, including AI-assisted writing and coding, then test and approve each file before it's listed. Listing images are previews made from the actual files; no AI image generators are used.