Net Worth Tracker Excel & Google Sheets, FIRE Calculator, Assets + Debt Tracker, Wealth Tracker, Financial Independence | Neutral Cream

Seller's description

Your whole financial picture in one number. List every account, property and debt once, then check in for 10 minutes a month – the tracker shows your net worth, how it changed this month and this year, your biggest movers, debt ratio and how many months of spending your liquid money covers. The FIRE tab turns your spending, savings and expected return into a FIRE number and the year – and age – you could be financially independent, plus your Coast FIRE number.

This listing is the Editorial design (neutral cream look). Same features also available in Midnight and Blush – see my shop.

━━━ WHAT YOU GET ━━━
• Net Worth Tracker for Microsoft Excel (.xlsx)
• Google Sheets version – a PDF with your personal 'Make a copy' link
• A second copy filled with sample data, so you can explore every feature first

━━━ 6 TABS ━━━
• Start: quick guide
• Setup: currency, first month, birth year, yearly spending, withdrawal rate, return, monthly investing, goal
• Dashboard: net worth, 12-month change, assets, debt ratio, FIRE number, FIRE progress, financially-free year, emergency fund – plus insights and 2 charts
• Accounts: up to 30 accounts and debts with category, institution, liquid – latest balance and 12-month change
• Check-ins: monthly balances for 5 years with assets, liabilities and net worth
• FIRE: year-by-year projection, FIRE year and age, Coast FIRE

━━━ GOOD TO KNOW ━━━
• FIRE and Coast FIRE calculator included
• Works with 14 currencies
• 5 years of monthly check-ins
• Plain-English insights – the file tells you what your numbers mean
• 14 currencies: USD, EUR, GBP, CAD, AUD, NZD, CHF, SEK, NOK, DKK, PLN, JPY, INR, ZAR
• White cells are yours, shaded cells calculate automatically
• Excel version: sheets protected without a password, so formulas can't break by accident
• Dropdowns and input checks keep your data clean
• All text in English

━━━ WORKS WITH ━━━
• Microsoft Excel 2010 or newer (Windows & Mac), Microsoft 365
• Google Sheets (free, needs a Google account)
• Not tested in Apple Numbers or LibreOffice

━━━ HOW IT WORKS ━━━
1. Download the files after purchase (Etsy → Purchases).
2. Excel: open the .xlsx file. Google Sheets: open the PDF and click the link – Google makes your own copy.
3. Fill in Setup (2 minutes) and start logging.

━━━ PLEASE NOTE ━━━
• This is a digital download – nothing will be shipped.
• Images show the sample-data version. Your file starts empty.
• For personal use. Please don't resell or share the files.
• This is a tracking tool, not financial advice.

Questions? Send me a message – I'm happy to help.