Efficiency Sheets
Simple Sheets
Net Worth Tracker Spreadsheet for Google Sheets
Net worth is everything you own minus everything you owe. A net worth tracker lists both sides, updates investment values with live prices, and shows the total over time so you can see whether it's going up.
Example
One person's net worth on the last day of the month
| Own and owe | Value |
|---|---|
| Checking and savings | $8,500 |
| 401(k) | $34,000 |
| Index funds (live prices) | $12,400 |
| Bitcoin (live price) | $2,100 |
| Car | $14,000 |
| Car loan | −$9,800 |
| Student loan | −$18,500 |
| Credit card | −$900 |
| Net worth | $41,800 |
$71,000 owned, $29,200 owed. Against a goal of $50,000 by December, the tracker shows how far there is to go.
How to set it up
- List your accounts: cash, retirement, investments and anything valuable you own.
- Log your stock, ETF and crypto buys; live prices fill in their current value.
- List every debt with its current balance.
- Set a net worth goal for the year.
- Update balances once a month, on the same day, and watch the trend.
Questions
Should I include my car and house?
Include your home at a careful estimate and its mortgage. A car loses value, so many people leave it out or update it once a year.
How often should I update it?
Once a month is enough. Investment prices update by themselves, so you mostly update cash and debt balances.
Can a net worth be negative?
Yes, often with student loans early on. What matters is that it goes up over time.
