One row per account
Bank accounts, brokers, wallets, pension pots, property and loans. Each row has a type, so totals group themselves.
Free template No email required
A net worth spreadsheet that actually works
Accounts by type, monthly snapshots, multi-currency conversion and a chart that draws itself. Download it free, keep it forever - and get our honest take on when a spreadsheet stops being enough.
No signup, no macros, no watermark
Net worth 187,435
Total assets440,735
Total debt−253,300
Months tracked6
Since January+16,985
Below are two ways to do the same job: a free net worth spreadsheet you maintain by hand, and a free app that maintains itself. Take the template - it is genuinely good. But read the comparison before committing to the monthly routine: if you own anything with a moving price, the app does this job better.
The template
Get the spreadsheet
Built the way we would track our own net worth by hand. Nothing to buy, nothing locked.
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Prefer not to share your email? Download it directly - same file, no hard feelings.
.xlsx · under 20 KB · no macros · Excel & Google Sheets
What's inside
A proper tracker, not a pretty table
Everything a hand-rolled net worth sheet needs - already wired up.
Monthly snapshots
One column per month, three years of columns ready. Fill in balances once a month and the history builds itself.
Multi-currency
Hold accounts in 20 currencies. A rate sheet converts everything into your base currency - rates are manual, and the template is upfront about what that means.
Debt handled properly
Mortgages and loans go in as positive numbers with the type "Debt" and are subtracted automatically.
A chart included
Net worth over time, drawn from your monthly totals. Empty months show as gaps, not fake zeroes.
Instructions included
A Read Me sheet with the five-minute monthly routine - and honest notes on the template's limits.
How it works
Five minutes a month, honestly
The whole routine, start to finish.
1
Download it
Grab the .xlsx above - with or without leaving your email, same file. Open it in Excel or import it into Google Sheets.
2
Swap in your accounts
Replace the sample rows with your own accounts, one row each. Pick a type and a currency from the dropdowns.
3
Fill one column a month
Once a month, type in each account's current balance. Update an exchange rate if one moved. That's the whole job.
4
Watch the chart
Totals per type, assets, debt and net worth compute themselves, and the chart adds a point each month.
The honest part
Where a spreadsheet breaks down
We built you a good one, and it still has these limits. They are not fixable with better formulas - they are the nature of the tool.
Exchange rates freeze in time
The rate sheet is manual, and one rate applies to every month at once - update it and your past months quietly re-value themselves. The app refreshes rates daily, and every snapshot keeps the rates of its own day.
Prices are as fresh as your last visit
ETFs, stocks, crypto: every number is whatever you typed last time. The app looks up stock, ETF and crypto prices automatically, every time you open it.
Every account becomes one number
A pension with contributions, an ETF position with cost basis, a mortgage with interest - the grid flattens them all into one cell per month. The app gives each account type tailored fields, and tracks cost basis and gains per position.
History is homework
The chart only knows what you remembered to type, and one broken cell corrupts your net worth silently. The app snapshots your balances automatically and keeps the history without being asked.
Side by side
This spreadsheet vs. the app
Same philosophy - manual control, no bank connection. The difference is who does the maintenance.
| What you get | This spreadsheet | The app (also free) |
|---|---|---|
| Stock, ETF & crypto prices | You look them up and type them in | Fetched automatically |
| Exchange rates | A manual rate sheet you maintain | Refreshed daily |
| Net worth history | One column a month - if you remember | Automatic snapshots |
| Historical accuracy | Past months re-value when you edit a rate | Each snapshot keeps its day's rates |
| Cost basis & gains | Not tracked | Per position, automatic |
| Mistakes | One broken cell skews the total, silently | Validated entries - nothing to break |
| Your time | About 5 minutes a month, forever | Roughly zero after setup |
No dark patterns
Keep the spreadsheet, or take the app
An honest guide - plenty of people should pick the spreadsheet.
Keep the spreadsheet if…
You have a handful of accounts in one currency, you like the monthly ritual, and you want full control with zero accounts anywhere. Truly: it will serve you well, and it is yours forever.
The app earns its keep when…
You hold stocks, ETFs or crypto whose prices move daily, you juggle more than one currency, or you want history charts without the homework. Same manual-entry philosophy, no bank connection - the boring parts just do themselves.
When you're ready
The app picks up where the template stops
The free portfolio tracker does everything the template does - accounts by type, multi-currency, net worth history - plus automatic prices, daily exchange rates and automatic snapshots. No bank connection, and you can import this very spreadsheet to start.
How to track your net worth in Excel or Google Sheets
The net worth formula
Net worth is assets minus liabilities: everything you own (cash, brokerage accounts, pension pots, crypto, property) minus everything you owe (mortgage, car loan, credit cards). A good net worth spreadsheet lists each account in its own row, records one balance per month, and charts the total. That structure is exactly what the free template above gives you, prewired.
Excel or Google Sheets?
Both work. The template is a native .xlsx, so Excel opens it directly; in Google Sheets use File → Import → "Replace spreadsheet" and the formulas, dropdowns and chart survive. Google Sheets users sometimes wire up GOOGLEFINANCE() to pull live stock prices - it works for a while, but it fails silently for many funds, pensions and exchange rates, which is precisely the maintenance an app removes.
How often should you update a net worth spreadsheet?
Monthly is the sweet spot: weekly turns into homework, yearly hides every trend. Put a recurring reminder on the first of the month - with the template, five minutes covers it. If you already suspect you will skip the appointment, that is the honest signal to let a portfolio tracker take the snapshots for you.
When the spreadsheet stops being the right tool
Count your moving parts. A few accounts in one currency change slowly - a spreadsheet tracks them perfectly. Stocks, ETFs and crypto reprice every day, and every extra currency multiplies the rate-keeping. Once most of your balances move without you touching them, the app simply does this job better: automatic prices, daily exchange rates, snapshot history - still manual-entry, still no bank connection. Try the demo with realistic data and compare.
Frequently asked questions
Is the net worth spreadsheet really free?+
Yes. No payment, no locked cells, no watermark, and you do not even need to leave an email - the small print under the form is a direct link to the exact same file. The email option simply adds you to our free weekly newsletter along with the download.
Does it work in Google Sheets?+
Yes. In Google Sheets go to File → Import → Upload and choose "Replace spreadsheet". The formulas, dropdowns and the net worth chart all survive the import, because the template uses plain formulas (VLOOKUP, SUMPRODUCT) and no macros.
How does the multi-currency support work?+
Every account row has a currency dropdown, and a Currencies sheet holds the exchange rate of each currency into your base currency. Balances convert automatically. The rates are manual by design - which is also the template's honest weakness: change a rate and your past months re-value with it.
How do I track debts like a mortgage?+
Add the mortgage or loan as its own row, give it the type "Debt", and enter the outstanding balance as a positive number. The summary sheet subtracts all debt rows from your assets automatically, so the net worth figure is genuinely net.
What does the app do that the spreadsheet can't?+
Automatic stock, ETF and crypto prices, exchange rates refreshed daily, automatic snapshot history, and per-position cost basis and gains. It keeps the same philosophy as the template - manual entry, no bank connection - but the maintenance work disappears. The basic tracker is free.
Can I move from the spreadsheet to the app later?+
Yes. The portfolio tracker imports balance history and buy/sell transactions from CSV and Excel files, so the months you track in this template can come with you instead of starting over.
What should I include in a net worth spreadsheet?+
Assets: checking and savings accounts, brokerage and retirement accounts, pension pots, crypto, property at a realistic value, and anything else you could sell. Liabilities: mortgage, student and car loans, credit card balances. One row per account - the template ships with a sample row of every type so nothing gets forgotten.
How do I build a net worth spreadsheet from scratch in Excel?+
Rows for accounts, columns for months, a type column so you can subtotal by category, a rate column if you hold multiple currencies, SUMPRODUCT or SUMIF formulas per type, assets minus debts at the bottom, and a line chart on the result. That is about an hour of careful work - or download the free template above, which is exactly that, already built and tested.
How often should I update my net worth?+
Monthly. It is frequent enough to catch trends and rare enough to stay painless - about five minutes with this template. The app removes even that: it snapshots your accounts automatically, so your history keeps building whether you remember or not.
Net worth spreadsheet or app - which should I use?+
Honest answer: if your money sits in a few slow accounts in one currency, keep the spreadsheet - it is enough. The moment prices or currencies move without you (stocks, ETFs, crypto, foreign accounts), the app wins on every axis that matters: fresh prices, daily exchange rates, history that writes itself, and per-position gains. It is free, needs no bank connection, and imports this exact file.
Grab the template. Outgrow it whenever.
The spreadsheet is free forever. If updating it ever becomes a chore, the app is one click away - and your data imports.
The template stays yours either way
The template is free to use, share and adapt. Sample figures are illustrative. Nothing on this page is financial advice.