Net Worth Tracker Excel Template
A simple Excel spreadsheet to track your net worth. Add your bank accounts, investments, property, and debts. See exactly where you stand financially. Update it monthly to track your progress.
Why Track Your Net Worth?
Most people check their bank balance but never look at the full picture. Knowing your net worth (what you own minus what you owe) helps you make better decisions about saving, investing, and spending.
Everything in One Place
Stop logging into five different apps to figure out where you stand. Add your savings accounts, ISAs, pensions, property values, crypto, and debts into one spreadsheet. Get a single number that actually means something.
Works with Any Currency
Got accounts in different countries? No problem. The template handles USD, EUR, GBP, or whatever you need. Just pick your base currency and enter the values.
Your Data Stays Yours
It's just an Excel file on your computer. No accounts to create, no data uploaded anywhere, no subscriptions. Download it, fill it in, done.
Frequently Asked Questions
Common questions about tracking net worth with Excel.
How do I create a net worth tracker in Excel?
Download our free Excel template, then enter your assets (bank accounts, investments, property, pensions) and liabilities (mortgages, loans, credit cards) into the designated cells. Excel automatically calculates your total net worth. Save the file and update it monthly to track your progress over time.
Is there a free Excel template for tracking net worth?
Yes, PopaDex offers a completely free Excel net worth tracker template. The Basic version includes asset tracking, liability tracking, and net worth calculation with charts. No signup or payment required. The Premium version ($5 one-time) adds FIRE planning, rent vs buy calculators, and budgeting tools.
What is the advantage of Excel over online net worth trackers?
Excel works completely offline, so your financial data never leaves your computer. This offers maximum privacy and security. You also have full control over the spreadsheet format and can customise it however you like. No subscriptions, no accounts, no data sharing.
Can I track multiple currencies in the Excel net worth tracker?
Yes, the template supports any currency. Simply enter values in your preferred currency (USD, EUR, GBP, etc.) and the calculations work the same way. For multi-currency portfolios, convert values to your base currency before entering.
How often should I update my Excel net worth spreadsheet?
Monthly updates are ideal for most people. This provides enough data points to see trends without being overwhelming. Set a recurring calendar reminder for the same day each month (e.g., the 1st or last day) to build a consistent tracking habit.
What is a healthy net worth for my age?
Net worth benchmarks vary widely based on income, location, and life circumstances. A common guideline is to have saved 1x your annual salary by age 30, 3x by 40, and 6x by 50. However, the most valuable insight comes from tracking your own progress over time rather than comparing to others.
Should I include my primary home in my net worth?
Yes, include your home equity (current market value minus remaining mortgage). Your home is typically your largest asset. Some people track "liquid net worth" separately (excluding home equity) to see how much wealth they could access quickly.
Helpful Guides
Learn more about tracking and growing your net worth.
Want an App Instead?
Try PopaDex for automatic bank syncing, charts, and insights. Or stick with the free Excel template. Both work.
Standard
Perfect for getting started with net worth tracking
- Privacy-first
- Dark mode
- Manual aggregation
- Monthly snapshots
- Community access
Premium
For serious wealth builders who want automation
- Everything in Standard
- Automated integrations (15,000+ banks)
- Multi-currency support
- Advanced insights & analytics
- Couples sharing & joint access
- Priority customer support
- Premium iOS App (Coming Soon)
- 1-on-1 financial coaching (Coming Soon)
- AI Co-Pilot (Coming Soon)
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