The Best Net Worth Tracker Spreadsheet

Simple Net Worth Tracker Spreadsheet

I believe that one of the most important things that you can do in personal finance is to track your net worth.

Now, more than ever, there are so many easy ways to automatically track your assets and your liabilities.

I personally use Personal Capital to seamlessly track my net worth, asset allocations, and eyeball my budget.

But to me, the most important part of tracking your net worth, is the act of typing up the amounts yourself. And to do this you will need a spreadsheet.

Use a spreadsheet to track your net worth

Every month, on the first of the month, I head over to Personal Capital, and I look at the final amounts in each of my accounts to drop into my Simple Net Worth Tracker Spreadsheet.

Click here to “make a copy” of the Simple Net Worth Tracker Spreadsheet.

And even if you don’t use Personal Capital or a similar tool, you can simply log into each of your accounts directly on the 1st of the month (or close to it) and pull your numbers for all of your various accounts.

In my case, I have Taxable Brokerage accounts, plus Non-Taxable accounts like my IRA, 401(k), HSA and 529s:

Total Assets in the Simple Net Worth Tracker Spreadsheet

After punching in my assets, I then go in and track any of my liabilities:

Total Liabilities in the Simple Net Worth Tracker Spreadsheet

Finally, once you’ve entered all of your information, then the spreadsheet will automatically calculate out your Total Net Worth, and overtime year-over-year increases/decreases:

Total Net Worth in Simple Net Worth Tracker Spreadsheet

You can easy add/remove accounts as it suits your needs.

I’ve pre-filled the spreadsheet with example information to make it easy to see how it all comes together.

Why you should track your net worth

I know a lot of folks end up creating fancy net worth trackers, but IMO, this is all you need!

Keep it simple. The best thing you can do is create the habit and go from there!

I like to track monthly and then once some time has passed each year, I go and hide January through November and leave only December visible.

If you have any questions or run into any issues, please contact me, and I’ll get it fixed.

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4 comments

  1. I created my own tracker for my net worth, but I have incorporated a number of aspects that you included in yours. The distribution percentage for assets and liabilities is valuable as well as the YTD differential. Thanks!

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