Free net worth tracker template for Excel and Google Sheets
A spreadsheet that lists what you own and what you owe, one column per month, and works out your net worth at the top. Download it, open it in Excel, Google Sheets or Numbers, and type in this month's balances. You don't need to sign up or give an email address.
Both files also open in Google Sheets and Numbers. Only the Excel file has the totals.
Updated October 29, 2026
What's in the template
The Excel file has one sheet. At the bottom is a table with one row per account: its name, a Type column that says Asset or Debt, and a balance for each month of the year. Above it, four rows add the table up for each month: total assets, total debts, net worth, and the change from the month before.
The example rows belong to the imaginary person in our guide on how to calculate your net worth. January is that guide's worked example: $38,100 in assets and $31,550 in debts, for a net worth of $6,550. The balances carry on to October, when net worth reaches $17,810. April is the only month it falls, by $450, after the 401(k) dropped and the credit card balance went up.
| Account | Type | Jan 2026 | Feb 2026 | Mar 2026 | Apr 2026 |
|---|---|---|---|---|---|
| Checking | Asset | 2,400 | 2,650 | 2,180 | 2,120 |
| Savings | Asset | 6,500 | 6,800 | 7,100 | 7,400 |
| 401(k) | Asset | 18,200 | 18,850 | 19,120 | 18,100 |
| Car, at resale value | Asset | 11,000 | 10,900 | 10,800 | 10,700 |
| Credit card | Debt | 1,750 | 1,420 | 1,610 | 1,680 |
| Car loan | Debt | 8,300 | 8,010 | 7,720 | 7,430 |
| Student loans | Debt | 21,500 | 21,290 | 21,080 | 20,870 |
| Net worth | 6,550 | 8,480 | 8,790 | 8,340 |
The CSV has the same accounts and months without the totals, because a CSV file can't hold formulas. Excel turns its month headings into dates and shows them as Jan-26, Feb-26 and so on, where Jan-26 is January 2026.
How to open it
Excel
Double-click the .xlsx file. If Excel opens it in Protected View, click Enable Editing.
Google Sheets
Upload the .xlsx file to Google Drive and open it. To keep working on a Google copy, choose File, then Save as Google Sheets. To start from the CSV instead, make a blank spreadsheet and choose File, then Import.
Numbers
On a Mac, double-click the file or drag it onto Numbers. On iPhone or iPad, save it to the Files app, then open it from Numbers.
How to fill it in
Clear the example balances first: select C13 to N19 and press Delete. Keep any account names that fit you and type over the rest. Then put the first month you're tracking in B4. Any date in that month works, and the month headings follow it.
| Column | What to type | Example |
|---|---|---|
| Account | A name you'll recognize. | Savings |
| Type | Asset for something you own, Debt for something you owe. | Asset |
| Each month | The balance on the same day each month, such as the 1st. | 9,200 |
Type debts as positive numbers, the balance you owe. The Type column tells the formulas which side of the sum they belong on.
Add new accounts in the empty rows under the examples. The totals count every row down to row 500, so you don't need to insert rows or stretch any formula. If you stop tracking an account, leave its row and type 0 in the months after it closed.
Use current balances: what's left on each loan and the full card balance, rather than the original loan or the minimum payment. Count a car at what it would sell for today. Leave out everyday belongings like furniture and electronics. Round to the nearest ten dollars if you like, since how the number moves over time is what you're watching.
The formulas
Total assets uses SUMIF, which adds up the cells in one column where another column matches a word. For January, column C, it adds the balances on rows where Type is Asset:
=SUMIF($B$13:$B$500,"Asset",C$13:C$500)With the example rows that gives 38,100. Total debts is the same formula with "Debt", which gives 31,550. In the sheet, both are wrapped in a check that leaves a month blank until it has a balance in it, so November and December show nothing instead of zero:
=IF(COUNT(C$13:C$500)=0,"",SUMIF($B$13:$B$500,"Asset",C$13:C$500))The other rows are plain subtraction:
| Row | Formula for February | Example |
|---|---|---|
| Net worth | =D7-D8 | 8,480 |
| Change from last month | =IF(OR(C9="",D9=""),"",D9-C9) | +1,930 |
The first month heading is =$B$4, and each one after it adds a month to the one before: =DATE(YEAR(C6),MONTH(C6)+1,1).
If you start from the CSV, save it as a spreadsheet first, then put the totals in rows under the accounts. Point the ranges at the account rows only, like =SUMIF($B$2:$B$40,"Asset",C$2:C$40). A range that includes the totals' own cell would make Excel stop and warn about a circular reference.
SUMIF, COUNT, IF and DATE are standard functions in Excel, Google Sheets and Numbers.
How often to update it
Once a month is plenty, and once a quarter works if your accounts don't move much. Pick a fixed day, like the 1st, and take each balance from the same place every time, so one month compares fairly with the next. A whole update usually means logging in to a few accounts and copying a number from each.
Watch the Change row more than the Net worth row. One month down is normal, often because of the stock market. Several in a row are worth a closer look at your spending, and our monthly budget template is one place to start.
Common questions
Is it really free?
Yes. Download it and change it however you like.
Should I include my home?
If you own one, add it as an asset at a realistic market value and the mortgage as a debt. Recent sale prices of similar homes nearby are a better guide than an optimistic online estimate.
What if my net worth is negative?
That's common, especially early in a career with student loans. The sheet works the same way, and the Change row shows whether you're heading toward zero.
Can I track more than one year?
Yes. Copy the sheet for each new year, change B4 to the next January, and clear the balances. The year before stays on its own tab.
Does it work on a phone?
Yes. The Excel, Google Sheets and Numbers apps all open it, and typing a few balances once a month doesn't take long on a phone.
