Net Worth Spreadsheet
Get a complete snapshot of your financial health with auto-calculated assets, liabilities, key ratios, and monthly trend tracking.
About the Net Worth Spreadsheet
This Excel net worth spreadsheet provides a comprehensive personal financial snapshot across two interconnected sheets. The main Net Worth sheet organizes your finances into detailed asset categories including cash and bank accounts, investment accounts such as 401(k), IRA, and brokerage, real estate, and other assets, alongside liabilities covering mortgage debt, loans, and credit cards. Auto-calculated subtotals, total assets, total liabilities, and net worth update instantly as you enter values. A key ratios section displays debt-to-asset ratio, liquid assets to liabilities, and home equity. Use the Budget Calculator to plan monthly spending and the Expense Tracker to log every transaction. The Monthly Tracking sheet lets you monitor your net worth over time, while pie charts visualize your asset allocation.
Net Worth Spreadsheet Features
- Detailed asset categories: cash, investments, real estate, and other
- Liability tracking for mortgage, loans, and credit cards
- Auto-calculated subtotals, total assets, total liabilities, and net worth
- Key ratios: debt-to-asset, liquid assets to liabilities, home equity
- Monthly tracking sheet with pie charts for asset allocation
How to Use This Net Worth Spreadsheet in Excel
- 1
Enter assets
List your cash, investment accounts, real estate, and other assets with current values on the Net Worth sheet.
- 2
Enter liabilities
Add mortgage debt, loans, credit card balances, and other liabilities.
- 3
Review net worth and ratios
Check auto-calculated net worth, debt-to-asset ratio, liquid assets to liabilities, and home equity.
- 4
Track monthly progress
Use the Monthly Tracking sheet to monitor net worth changes over time with pie chart visualization.
Net Worth Spreadsheet FAQ
- What asset categories are included?
- The template covers cash and bank accounts, investment accounts (401(k), IRA, brokerage), real estate, and other assets, with auto-calculated subtotals.
- Does it calculate financial ratios?
- Yes, a key ratios section displays debt-to-asset ratio, liquid assets to liabilities ratio, and home equity, all updating automatically.
- Can I track net worth over time?
- Yes, the Monthly Tracking sheet lets you record and monitor net worth changes month by month with pie charts visualizing asset allocation.
