Net Worth Tracker for Google Sheets
Get a free Google Sheets-compatible net worth tracker by email. Upload the .xlsx file to Google Sheets, add cash, investments, property, and debt, then update your monthly snapshots.
- Net Worth Tracker with Charts
- Assets and Liabilities Breakdown
- Early Retirement (FIRE) Calculator Premium
- Sankey Diagram Generator Premium
- Rent vs Buy Calculator Premium
- Monthly Budget Planner Premium
Total Net Worth
$112,450
$45,200
+$1,200
$82,250
+$8,500
-$15,000
-$2,000
Get Your Google Sheets Template
Choose the version that fits your needs. Both work in Google Sheets or Excel.
Basic
Get started at no cost
- Net Worth Time Series
- Basic Asset Categories
- Basic Liability Categories
- Easy Export to PopaDex
Premium
One-time purchase, yours forever
- Everything in Basic
- Early Retirement Planning
- Real Estate Buy vs Rent Calculator
- Monthly Budgeting
- Sankey Cash Flow Diagrams
- Curated Personal Finance Resources
Keep your spreadsheet, or start your next review in PopaDex
If Sheets already gives you a total you trust, keep it. Try the app when maintaining balances and checking several accounts has become the part you want to change. You can compare one current snapshot before moving any history.
| Your priority | Stay with Google Sheets | Try PopaDex |
|---|---|---|
| Control your own model | Keep custom formulas, budgets and projections together. | Use the app for balances; keep specialist calculations in your workbook. |
| Start without paying | The Basic template is free. Enter your email for the .xlsx download. | Standard provides free manual tracking. A template download does not create an app account. |
| Reduce balance entry | Update this template manually. It has no bank connection. | Premium is €5/month on the web for supported bank sync. Check your institution and account type first. |
| Preserve your history | Keep the original formulas and dated snapshots. | Start with current balances. Full-workbook, transaction and multi-currency history migration are not supported by the monthly CSV format. |
The $5 one-time Premium spreadsheet and the €5/month Premium app are separate products. Buying one does not subscribe you to the other.
Check one snapshot before you switch
- Keep a dated copy. Save your existing workbook before changing anything. List the accounts and debts included in its total, along with the date of each balance.
- Start with current balances. Create a free Standard account and enter a few accounts manually. Check the first-account guide. Add all relevant assets and debts before treating the result as your complete net worth.
- Reconcile the total. Use the same date and reporting currency in both tools. Count each account once. Use either the full property value less its mortgage or the equity alone, never equity less the same mortgage again.
- Explain any difference. Check missing debts, stale valuations and exchange rates. Our fictional GBP/EUR review shows how a total can fall even when savings rise.
- Repeat the review. Save your record and choose your next review date. Keep the workbook until you have checked another update and know which paid capability, if any, would save you work.
Can I import my Google Sheets history? Read the CSV limits first
The current importer accepts monthly asset-category balances, not an .xlsx workbook, formulas, individual transactions or a live connection to Google Sheets. The format below illustrates its narrow input contract; it is not a complete net-worth migration file.
Month-Year,Cash,Saving,Pension,Investment,Property,Total
01-2026,1000.00,500.00,2000.00,3000.00,0.00,6500.00Headers are case-sensitive and must appear in this order. Dates use MM-YYYY. Every amount field must contain a non-negative number, with a full stop for decimals and no currency symbols or thousands separators. The five asset columns in this fictional row sum to €6,500.
Important limitations: this import path treats amounts as EUR and has no debt or currency column. The supplied Total is not checked against the asset columns. Negative values are rejected, so this format cannot represent a balance sheet with separate liabilities.
Do not upload it over records you want to preserve. Importing a month can replace an existing category record. An error in a later row can leave earlier rows saved; a failure message does not mean nothing changed. The app's CSV export uses a different layout and cannot be uploaded unchanged.
For now, use manual entry for your current snapshot and keep historical records in Sheets. Before any historical import, ask [email protected] about the format and your vault setup. Describe the column layout without emailing private balances, account identifiers or the full workbook.
Importer behavior checked September 12, 2026 against production source and local integration tests using fictional records. This does not certify a migration of your workbook or an encrypted-vault import.
Want Automatic Bank Syncing?
PopaDex Premium offers bank syncing for supported institutions at €5/month on the web. Check your bank and account type before upgrading. Property estimates, unsupported accounts and other manual balances still need your review.
Learn About PopaDex App
How to Use the Net Worth Tracker
Start with one dated snapshot, then check the total against your statements.
Import to Sheets
Download the .xlsx file, then import it into Google Sheets
Add Assets
Enter bank accounts, investments, property, pensions
Add Liabilities
Enter mortgages, loans, credit cards, other debts
See Your Net Worth
Your total wealth is calculated automatically
Track Monthly
Update each month to see your wealth grow over time
Frequently Asked Questions
Common questions about tracking net worth with Google Sheets.
How do I track my net worth in Google Sheets?
Download the Google Sheets-compatible .xlsx template, upload it with File → Import, then enter your assets (bank accounts, investments, property, pensions) and liabilities (mortgages, loans, credit cards). The spreadsheet calculates your net worth automatically. Update it monthly to track progress over time.
Is the PopaDex Google Sheets template really free?
Yes. Enter your email to download the Google Sheets-compatible .xlsx file immediately; no PopaDex account or payment is required. Upload it to Google Sheets with File → Import. The Premium version ($5 one-time) adds FIRE retirement planning, rent vs buy calculator, Sankey budget diagrams, and monthly budgeting tools.
What should I include when calculating net worth?
Include all assets: bank accounts, savings, investments (stocks, bonds, funds), retirement accounts (401k, IRA, pensions), property values, vehicles, and valuables. Subtract all liabilities: mortgages, car loans, student loans, credit card debt, and personal loans. The difference is your net worth.
How often should I update my net worth tracker?
Monthly updates work best for most people. This frequency captures meaningful changes without being overwhelming. Some people prefer quarterly updates if their finances are stable, whilst active investors may track weekly.
Can I use this template in Excel instead of Google Sheets?
Yes, you can download the Google Sheets template as an Excel file (File > Download > Microsoft Excel). Alternatively, PopaDex offers a dedicated Excel net worth tracker template optimised for offline use.
Can I move my existing Google Sheets workbook into PopaDex?
Not as a complete workbook. Start by entering current balances manually and comparing the totals. The monthly CSV import has a fixed EUR-only asset format, with no debt column, and can replace existing records. Keep your original file and review the limitations before moving history.
How do I calculate my net worth manually?
Net worth = Total Assets − Total Liabilities. Add bank balances, investment values, full property values and pension balances, then subtract mortgages, loans and credit card debt. Do not subtract a mortgage again if you have already used property equity. For accounts in different currencies, see the multi-currency net worth tracker and its worked currency-conversion example.
Learn More About Net Worth Tracking
Explore our guides to get the most out of your financial tracking.
Net Worth Tracking Spreadsheet
Compare spreadsheet formats and learn when to upgrade to app-based tracking.
How to Track Net Worth
Step-by-step guide to calculating and monitoring your net worth over time.
Best Net Worth Tracking Apps
Compare eight net worth apps by price, bank sync and multi-currency support.
Excel Net Worth Tracker
Prefer Excel? The same free workbook opens directly in Excel with no conversion step.
FIRE Calculator Guide
Learn how to calculate your financial independence number and retirement date.
Budget Sankey Charts
Visualise your money flow with beautiful Sankey diagrams.
Net Worth Formula Explained
Understand exactly what to include and exclude from your calculation.