6 Best Free Net Worth Spreadsheets

Here are 6 of the best spreadsheet templates for tracking your net worth. Easily organize your assets and liabilities in one place, and see where you stand at a glance.

Tracking your net worth is a powerful exercise.

Simply by making yourself aware of your current financial standing, you can start making conscious money decisions for your long-term financial health.

Whether your goal is to become independently wealthy, or simply to get a better grip on your big picture financial situation, tracking your net worth can keep you organized and speed your progress.

To track your net worth, you’ll need to subtract your liabilities from your assets.

  • Liabilities are debts and include things like student loans or car notes.
  • Assets are properties that hold monetary value; they’re often investments like real estate properties or retirement accounts.

To help you start tracking your net worth and improve your financial health, we’ve rounded up six of the best, free net worth spreadsheets you can download today.

1 – Net Worth Spreadsheet For Google Sheets

net worth spreadsheet tiller
Net Worth Tracker from Tiller Community Solutions

Tiller Community Solutions has created a free net worth template for Tiller-powered spreadsheets to help you to easily track and visualize net worth progress over time.

Because this template is powered by Tiller Money Feeds, it automatically pulls in your daily bank, credit card, mortgage, loan, brokerage, and other balances.

You’ll easily be able to view all your assets and liabilities in one place, along with how much your total net worth has changed over time, complete with a graph.

While anyone can use this free net worth template for Google Sheets, it works best with Tiller, which you can try completely free for 30 days.

2- Simple Net Worth Tracker from Cents + Purpose

C P Net Worth

If you’re looking for a super simple net worth tracking spreadsheet, check out this option from Cents + Purpose. You won’t get any fancy charts, but by simply inputting your assets and debt, you’ll be able to track your net worth increase or decrease over the course of a year all within a singular tab.

Note that while this sheet lists your vehicle as a potential asset, cars depreciate quickly. Most people won’t include them on their net worth calculations as they typically don’t hold their value.

3 – Cross-Border Net Worth Spreadsheets from SquawkFox

Squawkfox Net Worth

These net worth spreadsheets from Squawkfox serve a cross-border audience with options for both Americans and Canadians. It’s not just about the difference in the conversion rate; these sheets list out assets unique to each country like IRAs and 401(k)s in the US, or GICs and TFSPs in Canada.

This sheet is best for those who are trying to get a one-time snapshot. It does not track your net worth over a period of time.

4 – Student-Loan-Centric Net Worth Spreadsheet from Young Adult Money

Young Adult Money

Have oppressive student loans? You’re not alone. The average student debt load for the class of 2018 was $29,200 per student who borrowed.

For that reason, many plan on using student loan forgiveness programs to cancel out a portion of their debt.This setup can make it tricky to calculate your net worth, as there may be a few different student loan debt payoff scenarios.

Luckily, this net worth spreadsheet from Young Adult Money accounts for programs like PSLF, allowing you to figure out your potential net worth in both instances where you were hypothetically granted forgiveness and instances where you hypothetically weren’t.

5 – Net Worth & Cash Flow Sheet from Johnny Africa

Net Worth & Cash Flow Sheet from Johnny Africa

The net worth and cash flow spreadsheet from Johnny Africa allows you to input all your debts and assets. It takes things a step further, though, for those pursuing financial independence (FI).

It has separate tabs for logging your current cash flow – and planning out what your cash flow will look like after you achieve FI. Its Dashboard tab gives you a quick snapshot of your spending, net worth, and different financial independence scenarios complete with graphs and charts.

6 – Financial Independence Net Worth Spreadsheet

Financial Independence Net Worth Spreadsheet

If you’re looking for something advanced, the Financial Independence Spreadsheet comes with all the bells and whistles. Built to help those pursuing big financial goals, it tracks your assets and debts in deep ways. Your specific investments can be input by ticker symbol, and the sheet automatically populates its current value through Google Finance.

This template also covers tax planning, so as you build your net worth, you can strategize where you keep your money. Charts abound, and you have the ability to visualize several different scenarios — including growing a net worth that allows for an expat lifestyle.

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Brynne Conroy

Motivation for women in business & on the homefront. Smart money management for success & true wealth. Author of The Feminist Financial Handbook.