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 up 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 nine of the best free net-worth spreadsheets that you can download today.
Table of Contents
1: Net Worth Spreadsheet for Microsoft Excel
The easy-to-use Net Worth template for Microsoft Excel provides a report of your total assets and liabilities, along with a colorful graph showing your trends over a customizable time period.
The Google Sheets version of this template (below) has been popular for years.
Get the free Excel Net Worth template here.
2: Net Worth Spreadsheet for Google Sheets
Tiller Community Solutions has created a free net worth template for Google Sheets powered by Tiller to help you 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.
3: Net Worth Summary for Excel from Microsoft
This straightforward Excel worksheet from Microsoft shows your net worth at a glance. Simply enter your assets and liabilities to see your net worth in a vibrant assets and liabilities chart.
4: Personal Net Worth Calculator from Microsoft
This is another simple, straightforward worksheet from Microsoft to help you quickly visualize your net worth.
5: Cross-Border Net Worth Spreadsheets from SquawkFox
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.
6: Student-Loan-Centric Net Worth Spreadsheet from Young Adult Money
Have oppressive student loans? You’re not alone. The average amount of debt for an undergraduate borrower in 2025 was just under $30,000, according to both Forbes and NerdWallet.
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.
7: 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.
8: 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.
9: Net Worth Calculator from Vertex42
The Net Worth Calculator from Vertex42 is a simple line-by-line account of your assets and liabilities that results in your net worth calculation. The calculator is available for both Google Sheets and Microsoft Excel. This Net Worth Calculator is clear, simple, and straightforward, making it an excellent way to track your net worth.
