Net Worth Tracker Excel Template

A royal blue & gold wealth spreadsheet calculating total liquid & property assets against liabilities with debt-to-asset ratios.

Download Free Spreadsheet (.xlsx)

Direct client-side generation. Compatible with Microsoft Excel 2016+, Office 365, Google Sheets, and LibreOffice Calc.

Live view of the pre-formatted columns and automated cell formulas included in your download file.

Asset / Liability Class	Category	Current Value ($)	Net Worth Share (%)
Primary Real Estate Residence	Real Property	$320,000.00	71.1%
Investment Portfolio (VOO)	Investments	$85,000.00	18.9%
Mortgage Principal Debt	Long-Term Liability	-$180,000.00	-40.0%

Donut Chart Data Source: Asset category distribution (Cash, Property, Investments)

Visual In-Cell Bars: Assets vs. Liabilities monthly side-by-side comparison

Timeline Data: 12-month Net Worth history trajectory

Trend Indicators: Top 5 largest liabilities by outstanding balance

KPI Cards: Total Assets, Total Liabilities, Net Worth Total

Historical Data Ledger: 12-month stacked asset growth contribution

Heatmap Data Source: 12-month x quarter matrix showing peak growth quarters

=SUM(Assets_Column) — Total Assets Sum

=SUM(Liabilities_Column) — Total Liabilities Sum

=Total_Assets - Total_Liabilities — Net Worth Value

=Total_Liabilities / Total_Assets — Debt-to-Asset Ratio

Investors, high-net-worth individuals, and FIRE planners tracking long-term wealth accumulation.

Assets and debts spread across different banks. This sheet unifies total net worth into one live ledger.

Click Download Excel File to save the .xlsx file to your computer.
Open Google Drive in your web browser.
Click + New → File Upload and choose the downloaded file.
Double-click the uploaded file in Google Drive to open it directly as a native Google Sheets document with all formulas intact.

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