Net Worth Tracker Spreadsheet — Wealth Dashboard, Assets and Liabilities, 12-Month History and Milestones, Excel Google Sheets

Seller's description

Do you actually know what you are worth? The Net Worth Tracker & Wealth Dashboard puts everything you own and everything you owe into one calm spreadsheet: total assets, total liabilities, your real net worth, your debt-to-asset ratio, a full 12-month history, and 5 wealth milestones — no complicated app, no subscription, no finance degree.

• DASHBOARD — total assets, total liabilities, net worth (assets minus liabilities), debt-to-asset ratio and change this year, all pulled automatically from the Assets, Liabilities and History TOTAL rows
• ASSETS — 9 sample assets (Checking Account, Savings Account, Emergency Fund, Brokerage Account, IRA, 401(k), Primary Home, Car, Other Valuables) with a Type dropdown (Cash, Savings, Investments, Retirement, Home, Vehicle, Other), current value, TOTAL ASSETS row and each asset's % of total calculated for you
• LIABILITIES — 6 sample debts (Mortgage, Auto Loan, two Credit Cards, Student Loan, Personal Loan): balance, APR and minimum monthly payment, with TOTAL LIABILITIES and total minimum payments rows
• NET WORTH HISTORY — 12 months, Jan through Dec: total assets and liabilities per month, net worth (assets minus liabilities) and monthly change calculated per month, plus year start, year end and total change for the year
• MILESTONES — 5 wealth goals ($200,000, $250,000, $300,000, $500,000, $1,000,000): target net worth, target date, current net worth pulled in from the Dashboard, remaining amount and % there, all automatic
• START HERE — a friendly 5-step setup guide; up and running in minutes

WHAT'S INSIDE (6 sheets):
• START HERE — friendly 5-step setup guide with a color legend
• DASHBOARD — assets, liabilities, net worth, debt ratio and year change at a glance
• ASSETS — 9 assets with type dropdowns, values and % of total
• LIABILITIES — 6 debts with balance, APR and minimum payment
• NET WORTH HISTORY — 12 months of assets, liabilities, net worth and monthly change
• MILESTONES — 5 wealth goals with remaining and % there

HOW IT WORKS: Download instantly → type in the yellow cells → everything calculates automatically. No spreadsheet skills needed — if you can type, you can track your wealth.

WHAT YOU GET: 1 Excel file (.xlsx, 6 sheets) plus a ZIP containing the same spreadsheet, works in Microsoft Excel and Google Sheets. Instant download. Also includes a prefilled sample so you can see every formula working, plus setup instructions built into the START HERE sheet and a troubleshooting FAQ below.

PLEASE NOTE: Digital download; no physical item ships. The file comes prefilled with realistic sample data ($409,900 in assets, $231,350 in liabilities, $178,550 net worth, up $35,050 over the sample year) so you can see every formula working — just type over it with your own numbers. This tracker is an organizer only and is not financial advice; it does not provide financial, investment or tax advice — talk to a qualified professional about your own situation.

FREQUENTLY ASKED QUESTIONS:

Q: I opened the spreadsheet in Google Sheets and it says "view only" — how do I edit it?
A: That happens with Google Sheets from time to time. Open the file, then in the top menu choose File → Make a copy. The copy belongs to you and is fully editable. If it still won't open, try a computer or laptop instead of a phone, a different browser, make sure you're signed in to Google Sheets, and check that your Google Drive has space. Still stuck? Message me on Etsy and I'll help you sort it out.

Q: I can't download my purchase on my phone — what am I doing wrong?
A: Nothing — the Etsy app doesn't support downloading files. Open your browser (log out of the Etsy app first if it keeps redirecting you), sign in to Etsy, and download from your Purchases page on a mobile browser, or use a laptop or desktop. Once the file is saved you can open it on your phone any time.

Q: What exactly is a spreadsheet template?
A: It's a ready-made spreadsheet with all the formatting and formulas already built in. Download it, type in the yellow cells, and everything else calculates itself. Colors, headings and layout can be customized if you like, but you never need to touch a formula.

Q: Can I return or exchange my purchase?
A: Because this is a digital download, returns and exchanges aren't possible once the file has been downloaded — you'll always keep access to it in your Etsy account. If you bought it by accident and haven't downloaded it yet, send me a message and I'll take care of it.

Q: Is it available in other languages?
A: Right now the planner is in English only.

*This digital product has been created with the assistance of AI Tools, then refined by me, the seller*