Net Worth Tracker Spreadsheet | Excel Google Sheets Financial Planner

One number tells you whether you are actually getting ahead: your net worth. This tracker totals your assets, subtracts your liabilities, and charts the result month after month so you can watch your wealth story unfold and see the next milestone coming. Works in Excel and Google Sheets, with instant download.

Assets minus liabilities, tracked over time

Log what you own and what you owe, and the dashboard calculates net worth, the monthly change and the percentage change across a 12-month view, turning scattered accounts into one clear trend.

Milestones and liability paydown

A milestone projection estimates when you reach each wealth level based on your savings rate and expected growth, while the liability section tracks how fast you are paying down mortgage, auto, student and other debts.

What you get

• Excel file with dashboard, 12-month chart and milestones
• Google Sheets compatible
• Quick Start Guide PDF
• CSV export for non-Excel users
• Free lifetime updates

Inside the system

• Start Here — savings rate and growth assumptions
• Dashboard — net worth, next milestone and asset breakdown
• Assets — cash, investments, retirement, property and more
• Liabilities — mortgage, auto, student, credit card and personal loans
• 12-Month Growth — net worth, change and percentage change
• Milestones — projected dates for each wealth level

Who it is for

• Anyone who wants one clear measure of financial progress
• People paying down debt and building assets at once
• Long-term savers tracking milestones
• Anyone tired of guessing whether they are ahead

Instant delivery

Files arrive immediately after purchase: the Excel file (.xlsx), a CSV export and a Quick Start Guide PDF. Works on Mac, Windows, iOS and Android. No subscription, no login.

For personal tracking only. Projections rely on assumptions you set and are illustrative, not guarantees; this is not financial advice. Designed and built by SpendFlow Studio.