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Free Net Worth Tracker (Google Sheets & Excel)

Four rough numbers, once a month: cash, investments, property, debts. The sheet computes your net worth and how it moved since last month. It's the single most motivating chart in personal finance, and it takes three minutes.

Download free (.xlsx) How to use it

Works in Google Sheets & Excel · no signup, no watermark, actually free

What's in it

One row a month

Deliberately low-resolution. Monthly rough numbers you'll actually enter beat daily precision you'll abandon.

Change column

The number that keeps people going isn't the total — it's watching the monthly change stay positive.

Negative-friendly

Net worth below zero is a starting line, not a verdict. The sheet formats it calmly and tracks the climb.

How to use it

Download the file — the button above grabs the .xlsx.
Google Sheets: drive.google.com → New → File upload → open it → File → Save as Google Sheets. Excel: just open it.
Pick a day — the 1st, payday, whenever. Consistency beats timing.
Enter the four numbers, rounded to the nearest hundred. Close enough is the whole philosophy.
Read the change column next month. That's the reward loop.
The one rule: shaded cells are yours to type in. Everything else computes itself.

Questions

Do I count my car / house?

Common practice: count what you could sell (car, house at rough market value) under property, and the loans against them under debts. Or skip both — just be consistent month to month.

Retirement accounts?

Yes, under investments — they're yours, even if far away.

Why track it at all?

Because spending decisions feel abstract until one number makes them concrete. Watching net worth respond to your paycheck plans is what makes budgets stick.

The scoreboard, wired to the game.

The Payday System includes this tracker connected to a dashboard — your latest net worth beside your safe-to-spend number. $29 once.

See The Payday System