Twelve months, your accounts and debts, and the formulas already written. Download the template, open it in Google Sheets or Excel, and type your balances once a month. No sign-up, no email.
What is inside
Three tabs, formulas done
In short
This is a free net worth tracker spreadsheet that works in Google Sheets, Excel and Apple Numbers. It lists ten kinds of assets and seven kinds of debt down the side and the twelve months across the top. You type each balance once a month and it works out total assets, total debts, net worth and the change from the month before, and a month you have not filled in stays blank instead of counting as zero. An Example tab shows a made-up year with a chart. There is no sign-up and no email.
Works in
Google Sheets, Excel, Numbers
Cost
Free, no sign-up
Layout
12 months, 17 rows
File
Excel .xlsx, 13 KB
Download
Net worth tracker template
Excel file (.xlsx), 13 KB. Opens in Google Sheets, Excel and Numbers.
No sign-up and no email. The file is yours to copy and change.
Google Sheets
Use the button above. It saves as net-worth-tracker-template.xlsx.
In Google Drive, choose New, then File upload, and pick the file.
Right-click the file in Drive and choose Open with, then Google Sheets.
From any Google Sheet: File, Import, Upload, and choose the file.
Each month
Pick a day, such as the 1st, and do the same thing each month.
Totals, net worth and the change from last month fill in by themselves. To see how your figure compares with others your age, the Federal Reserve's 2025 figures are on our net worth by age page.
A spreadsheet is free and completely yours. If typing the same balances every month gets old, NetWorth+ keeps the history and the chart for you, adds budgets and shared bills, and still never asks for a bank login.
Everything most people need to track their money.
or $49.99 a year
Yearly works out cheaper.
Sign in with the account you use in the app. Cancel any time.
US prices, checked October 2026. Prices in every country
Questions
NetWorth+ tracks it for you on iPhone and Android, without a bank login.
Android and iPhone. No bank login. No ads.