Net Worth Tracker

What you own minus what you owe — measured four times a year, so you can watch it climb.

Features

• Assets and liabilities on one page, with a snapshot column for each quarter
• Automatic totals and a net worth line for every snapshot
• Change since your first snapshot, for every line and for your net worth itself
• Quarter-to-quarter change in dollars and percent, so progress is impossible to miss

How to use it

1. Set your four snapshot dates on the Net Worth tab (the sample uses quarter-ends)
2. At each snapshot, fill in what everything is worth and what you owe
3. Read your net worth row, then the change columns — they are the point of the exercise
4. Repeat each quarter: ten minutes, four times a year

Format: Excel (.xlsx — also opens in Google Sheets) + printable PDF

Two engines move this number: a growing emergency fund and long-term investing — project the second with the free retirement calculator.