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    Personal Finance

    Net Worth Tracker

    Aggregates all assets and liabilities into a single net worth figure. Tracks changes over time to show whether financial position is improving, stagnating, or declining on a monthly or quarterly basis.

    Personal - Net Worth Tracker.xlsx

    Excel (.xlsx) — No macros — Works in Excel, Google Sheets, LibreOffice

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    What This Spreadsheet Solves

    • No single view of total financial position
    • Assets and liabilities are scattered across accounts with no aggregation
    • Unclear whether net worth is trending up or down over time
    • Difficulty identifying which assets or debts are driving changes
    • No historical record of financial progress

    Who This Is For

    • Individuals tracking overall financial health
    • Couples creating a shared financial picture
    • Financial planners establishing client baseline and tracking progress
    • Anyone approaching major financial milestones (home purchase, retirement)

    Inputs

    • $Asset Name and Value
    • textAsset Category (Cash/Investment/Property/Other)
    • $Liability Name and Balance
    • textLiability Category (Mortgage/Loan/Credit/Other)
    • dateSnapshot Date

    Outputs

    • Total assets value
    • Total liabilities balance
    • Net worth (assets minus liabilities)
    • Month-over-month net worth change
    • Asset and liability composition breakdown

    How Calculations Work

    All assets are summed by category, and all liabilities are summed separately. Net worth equals total assets minus total liabilities. Each snapshot date creates a historical record. The model computes period-over-period changes in absolute dollars and percentage terms. Composition analysis shows what percentage of assets are liquid vs illiquid and what percentage of liabilities are high-interest vs low-interest.

    Example Use Case

    Scenario: Assets: checking $8,200, savings $22,000, investments $145,000, home value $320,000. Liabilities: mortgage $248,000, auto loan $12,500, credit card $3,200. Prior month net worth: $228,000.

    Result: Total assets: $495,200. Total liabilities: $263,700. Net worth: $231,500. Monthly change: +$3,500 (+1.5%). Liquid assets (cash + investments) are 35.4% of total. High-interest debt (credit card) is 1.2% of total liabilities.

    What You Get — 5 Sheets

    READMEInstructions for entering asset and liability data, category definitions, and guidance on snapshot frequency and trend interpretation.
    INPUTAsset and liability entry tables with name, value/balance, category, and snapshot date fields.
    LOGICSummation by category, net worth calculation, period-over-period change computation, and composition percentage derivations.
    OUTPUTNet worth summary, trend chart over time, asset/liability composition pie charts, and change attribution showing which items drove the movement.
    CONFIGCategory definitions, snapshot frequency setting, currency format, and optional property value estimation method (manual vs automated).

    Technical Details

    File Format:.xlsx (Open XML)
    Macros:None — pure formulas
    Compatibility:Excel 2016+, Google Sheets, LibreOffice
    Input Cells:Clearly marked with blue background
    Formulas:All outputs are live Excel formulas
    Protection:LOGIC sheet formulas protected, INPUT cells editable

    Frequently Asked Questions

    How often should I update the tracker?

    Monthly is the most common cadence. Quarterly works if your financial situation is stable. More frequent updates provide better trend visibility.

    Should I include my home's value?

    Yes, but use a conservative estimate. Online estimators can vary by 10-15%. The model separates liquid and illiquid assets so you can see net worth both with and without property.

    What about retirement accounts I can't access yet?

    Include them as assets under the investment category. They contribute to your total financial position even if they are not currently liquid.

    How do I handle shared assets or debts?

    Enter your share only. If you own 50% of a joint account, enter half the value. Consistency matters more than precision for trend tracking.

    Why did my net worth drop even though I saved money?

    Asset values fluctuate (investment market changes, property revaluations). A net worth drop despite positive savings usually indicates investment or property value declines that exceeded the new savings.

    Download Net Worth Tracker

    Ready to use immediately. Enter your data in the INPUT sheet, see results in OUTPUT.

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