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Net Worth Spreadsheet
A free net worth spreadsheet: once a month, enter what you own and what you owe by category, and the sheet calculates net worth (assets − liabilities), the change from last month, your savings rate, and draws the trend.
Use it in Google Sheets: choose File → Import → Upload in Sheets and pick the .xlsx, or upload it to Google Drive and open it with Google Sheets. Nothing connects to your bank; every number stays in your own file.
| Month | Total assets | Total liabilities | Net worth | vs last month | Savings rate |
|---|---|---|---|---|---|
| Oct 2025 | $384,200 | $273,700 | $110,500 | — | 24.1% |
| Nov 2025 | $385,600 | $272,258 | $113,342 | +$2,842 | 19.4% |
| Dec 2025 | $385,700 | $271,502 | $114,198 | +$856 | 13.9% |
| Jan 2026 | $390,350 | $269,692 | $120,658 | +$6,460 | 26.9% |
| Feb 2026 | $392,150 | $268,688 | $123,462 | +$2,804 | 22.2% |
| Mar 2026 | $391,350 | $267,670 | $123,680 | +$218 | 16.7% |
| Apr 2026 | $398,100 | $266,048 | $132,052 | +$8,372 | 31.4% |
| May 2026 | $399,400 | $265,042 | $134,358 | +$2,306 | 20.4% |
| Jun 2026 | $399,550 | $263,662 | $135,888 | +$1,530 | 18.5% |
| Jul 2026 | $405,650 | $262,758 | $142,892 | +$7,004 | 23.1% |
| Aug 2026 | $407,400 | $261,000 | $146,400 | +$3,508 | 21.3% |
| Sep 2026 | $407,500 | $260,088 | $147,412 | +$1,012 | 14.8% |
| Oct 2026 | $410,150 | $258,582 | $151,568 | +$4,156 | 25.9% |
What's inside the spreadsheet
| Tab | What you type | What it calculates |
|---|---|---|
| Start here | Nothing | Steps, formulas, colour key, disclaimer |
| Monthly | First month; then each month: 7 asset balances (cash & checking, savings & emergency fund, brokerage, retirement, home, vehicles, other) and 5 debts (mortgage, auto, student loans, credit cards, other). Optional take-home income and spending. 36 months. | Total assets, total liabilities, net worth, change vs last month ($ and %), amount saved, savings rate |
| Dashboard | Nothing | Latest net worth, debt-to-asset ratio, monthly / 12-month / since-start change, average monthly change, overall savings rate, latest balance per category, line chart of assets, liabilities and net worth |
| Example Monthly / Example Dashboard | Already filled | 13 months of a fictional household so you can see the finished result |
How to use it
- Pick one day each month, such as the 1st, and always use balances from that day.
- On Monthly, type your first month in cell A5. The following months fill in by themselves.
- Enter every balance as a positive number. Debts go in the liability columns; do not type them as negatives.
- Value a home or car at what it would realistically sell for today, not what you paid. Updating these a few times a year is enough.
- Optional: enter the month's take-home pay and total spending to get a savings rate.
- Fill months top to bottom without skipping rows. The Dashboard reads the last filled row.
The formulas, explained
Exact formulas from the file, for row 6 (February of the first year, so it can compare with row 5). Columns B–H are assets, J–N liabilities.
| Field | Formula |
|---|---|
| Next month (A6) | =IF($A$5="","",EDATE(A5,1)) |
| Total assets (I) | =IF(COUNT(B6:H6)=0,"",SUM(B6:H6)) |
| Total liabilities (O) | =IF(COUNT(J6:N6)=0,"",SUM(J6:N6)) |
| Net worth (P) | =IF(AND(I6="",O6=""),"",N(I6)-N(O6)) |
| Change vs last month $ (Q) | =IF(OR(P6="",P5=""),"",P6-P5) |
| Change vs last month % (R) | =IF(Q6="","",IF(P5=0,"",Q6/ABS(P5))) |
| Saved (U) | =IF(S6="","",S6-N(T6)) (take-home income − spending) |
| Savings rate (V) | =IF(OR(S6="",N(S6)=0),"",U6/S6) |
| Months filled (Dashboard B3) | =COUNT(Monthly!P5:P40) |
| Latest net worth | =INDEX(Monthly!P5:P40,$B$3) |
| Change over 12 months | =INDEX(Monthly!P5:P40,$B$3)-INDEX(Monthly!P5:P40,$B$3-12) |
| Savings rate, all months | =SUM(Monthly!U5:U40)/SUM(Monthly!S5:S40) |
The small grey columns X–Z repeat the totals but show #N/A for empty months. That is on purpose: charts skip #N/A, so the line does not drop to zero for months you have not filled yet.
Worked example from the sample data
The fictional household starts in October 2025 with total assets of $384,200 and liabilities of $273,700: net worth $110,500. By October 2026 assets are $410,150 and liabilities $258,582, so net worth is $151,568, up $41,068 in 12 months, an average of $3,422 a month. The last month added $4,156. Debt-to-asset ratio is 63.05%.
Over the 13 months the household saved $15,200 out of take-home pay, a savings rate of 21.50%. Net worth rose by much more than that. The difference comes from:
| Source of the $41,068 change | Amount |
|---|---|
| Cash and savings balances up | $5,650 |
| Brokerage and retirement accounts up (contributions plus market moves) | $14,100 |
| Home estimate raised ($310,000 → $318,000) | $8,000 |
| Car resale value down | −$1,800 |
| Debt paid down (mortgage, auto and student loan principal; card balance) | $15,118 |
| Net worth change | $41,068 |
Two lessons from this example: loan payments raise net worth even though they count as spending, and a single home re-valuation can move net worth more than months of saving. Keep property estimates conservative so the trend reflects your habits, not guesses.
How your number compares: Federal Reserve data
For context only. The Federal Reserve's "Changes in U.S. Family Finances from 2019 to 2022" (Survey of Consumer Finances, published October 2023) reports that "real median net worth surged 37 percent to $192,900, and real mean net worth increased 23 percent to $1,063,700". Figures are per family, in 2022 dollars.
The mean is more than five times the median because a small number of very wealthy families pull the average up. The median is the better "typical" reference. To see where a figure falls by age, use the net worth percentile calculator.
Common mistakes
- Using purchase prices for a home or car. Use a realistic sale value. A car is usually worth less every month.
- Counting the same money twice. If your brokerage cash sweep is part of the brokerage balance, do not add it to cash too.
- Typing debts as negative numbers. The formula already subtracts liabilities. Negatives would add them back.
- Different days each month. A credit card balance the day before vs after payday can swing by thousands. Pick one day.
- Skipping a month row. The Dashboard reads the last filled row, so leave no gaps. Copy last month's values if nothing changed.
- Reacting to one month. Markets move. Look at the 12-month change and the savings rate, which you control.
FAQ
How do I calculate my net worth?
Add up everything you own at today's value (cash, savings, investments, retirement accounts, home, car, other assets). Add up everything you owe (mortgage, loans, credit card balances). Net worth = total assets − total liabilities.
How often should I track my net worth?
Monthly works for most people: often enough to see a trend, not so often that market noise dominates. Use the same day each month. Big illiquid items like a home can be re-valued a few times a year.
Should I include my house in net worth?
Yes, at a realistic sale value, with the mortgage listed as a liability. Some people also track net worth without the home to see their liquid wealth. You can leave the home column blank if you prefer that view.
What is the median net worth in the US?
The Federal Reserve's 2022 Survey of Consumer Finances reports real median family net worth of $192,900 and real mean net worth of $1,063,700, in 2022 dollars.
What is a good savings rate?
There is no single right number; it depends on income, costs and goals. The useful part is the trend: the template divides money saved (take-home pay minus spending) by take-home pay each month so you can see whether it is rising.
Is there a net worth tracker template for Google Sheets?
Yes. Download the .xlsx on this page and import it into Google Sheets with File, Import, Upload, or open it from Google Drive. All formulas (SUM, COUNT, INDEX, EDATE) work in both Excel and Google Sheets.
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Educational template only, not financial, tax or investment advice. Example data is fictional and does not describe a real household. Federal Reserve figures were quoted from federalreserve.gov on 23 October 2026.