A free spreadsheet to track your net worth
List what you own and what you owe, and the spreadsheet adds it up. Once a month you note the total, and a chart shows where it’s heading. It works in Excel, Google Sheets and Numbers.
Free · .xlsx · no sign-up
What’s in the file
- Overview
- Your net worth in large type, what you own and owe, and a breakdown by type with each one’s share.
- Items
- One row per account, loan or possession, with dropdowns for the kind and type. Add as many rows as you need.
- History
- One row per month and a line chart, so you can see the trend.
- How to use
- The steps on this page, in the file itself.
How to use it
- Replace the example rows with what you own and what you owe. Enter debts as positive amounts; the spreadsheet subtracts them.
- Use today’s values: what your home would sell for, what’s left on your mortgage, what your investments are worth now.
- Read your net worth on the overview.
- Once a month, update the values and note the new total on the history sheet.
Not sure what to include? Here’s how to value your home, pension, car and loans.
Spreadsheet or Netcaly?
Both add up the same thing. The difference is who does the upkeep.
| Spreadsheet | Netcaly | |
|---|---|---|
| Adds up your net worth | Yes | Yes |
| History | You note it each month | Saved for you on every update |
| Growth chart | Yes, from your monthly rows | Yes, with Lifetime |
| On your phone | Depends on your app | In any browser |
| Hide amounts in public | — | One tap |
| Price | Free | Free up to 5 items, or € 4,99 once |
Questions
Does it work in Google Sheets?
Yes. Upload the file to Google Drive and open it with Google Sheets. The formulas and dropdowns work as they are.
Does it work in Numbers or LibreOffice?
Yes. Both open .xlsx files, formulas included.
Is it really free?
Yes. There’s no sign-up and no email address needed. Use it, change it and share it as you like.
Can I move to Netcaly later?
Yes. Netcaly uses the same types as the spreadsheet, so moving over means entering the same rows once. That takes a few minutes.