Personal template
Net Worth Tracker
Assets minus liabilities, with each line shown as a share of the total.
- ✓Instant download
- ✓Every later version free
- ✓Commercial use
- ✓No watermark
- 14
- live formulas, each one recalculated and checked
- 5
- columns: Item, Type, Category, Value, % of total
- 5
- figures worked out for you
Someone tracking their overall financial position — usually looking for this when assets and debts sit in different places and have never been netted off.
Need more than one? All 9 Personal templates for $39 — $83 bought separately. All 66 for $99.
Works in Excel 2013 and later, Microsoft 365, Google Sheets and LibreOffice Calc. Set up to print on one page wide. Version 1, updated 25 September 2026.
There are free templates. Why this one?
There are, and some are fine. The difference is what has been checked. This file was built from scratch, then every formula in it was recalculated by a separate checker that compares each result against an independently worked-out answer — 14 of them here. A template that looks right and totals wrong is worse than no template at all, and that is the usual failing of one downloaded from a search result.
It also opens with sample rows already filled in, so you can see every formula working before you touch it, and it is set up to print without fighting the page setup. No watermark, and you can use it commercially.
About this Net Worth Tracker template
Net worth is the simplest single measure of your financial position: everything you own minus everything you owe. This Excel net worth tracker lists each asset and liability with a category and value, and shows each line as a share of the total.
The position summary shows total assets, total liabilities, net worth, your debt-to-asset ratio and how much you hold in cash.
Good for
- →Taking stock of your finances once a quarter or year
- →Tracking progress as you pay off debt
- →Seeing how much of your wealth is tied up in property
What it works out for you
Position
- →Total assets
- →Total liabilities
- →Net worth
- →Debt-to-asset ratio
- →Liquid assets (cash)
What is inside the Net Worth Tracker template
The table has 5 columns. Calculated columns fill themselves in; the rest are yours to type over.
- →Item
- →Type
- →Category
- →Value
- →% of total
How to use the Net Worth Tracker in Excel
Tag every line Asset or Liability. Net worth, the split and each line's share all calculate.
The file opens with sample rows so you can see every formula working before you change anything. Type your own figures over them. When you need more rows, insert them inside the existing block rather than underneath it, so the totals keep covering every row.
Functions and formulas it uses
Every one of these exists in Excel, Google Sheets and LibreOffice, so the file behaves the same wherever you open it.
IFIFERRORSUMIFSUMIFSQuestions about the Net Worth Tracker
What should I count as assets?
Cash, savings, investments, pensions and property at their current value. Include cars and valuables if you want them counted.
What is the debt-to-asset ratio?
Total liabilities divided by total assets. The lower it is, the more of what you own is truly yours.
How often should I update it?
Every few months is enough for most people. Save a copy each time to see how your net worth changes.
What you get with the Net Worth Tracker
- ✓14 formulas, every one recalculated and checked
- ✓Opens with sample rows already filled in
- ✓Excel, Google Sheets and LibreOffice Calc
- ✓Set up to print on one page wide
- ✓Commercial use, no attribution needed
- ✓Every later version included free
Get the Net Worth Tracker for $12
One payment. The file downloads straight away, and every later version of it is yours at no extra cost.
Buying a few? All 9 Personal templates for $39, or all 66 for $99.
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