The Net Worth: September 2026 dashboard on laptop, tablet and phone – net worth $111,415.75, assets $254,315.75, liabilities $142,900.00

Net Worth Tracker – assets and debts in one spreadsheet

List what you own and owe, update once a month and see your net worth over time.

Web app + Sheets
US · International · German

€6.99 for buyers in Germany, incl. 19% VATOne-time purchase · instant download

Etsy shows the final amount in your currency at checkout.

Buy on Etsy – €6.99

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After payment, download your files in a web browser – Etsy → You → Purchases and reviews → Download files, or the link in Etsy's order email if you checked out as a guest. The Etsy app can't download files.

Assets, debts and net worth each month
Changes vs. last month and last year
Goals, seven currencies, five CSV exports
Offline web app plus Google Sheets version

Money Overview Bundle: 3 tools, 25% off on Etsy →

In short

A net worth tracker spreadsheet you update once a month

Net Worth Tracker is a one-time download: an offline web app (no account needed) plus a separate Google Sheets™ template (free Google account) for listing what you own and what you owe, updating the values once a month and following your net worth over time. No subscription.

Net worth is simple to define – everything you own minus everything you owe – but hard to follow when accounts, a home, a car and loans live in different places. Here you list each one once, then take a snapshot at month end: type in the new values, or copy last month's and change only what moved. The tracker shows your net worth, total assets and liabilities, your debt ratio and the change vs. last month, year-to-date and year over year.

Every value is one you entered. Nothing is connected to a bank, and no prices or exchange rates are fetched. A missing value stays missing – it never counts as zero – and goal figures are simple math, not forecasts.

An organizing tool – not financial, tax or legal advice.

The 15-second tour

See it move

What the video shows

The dashboard on a laptop, then net worth over time. Labels appear one by one: Assets & Debts, Monthly Snapshots, Net Worth Charts, Track Goals and Currency Rates. A small card does the math: total assets $254,315.75, minus liabilities $142,900.00, gives a net worth of $111,415.75. Then the assets page, the asset allocation, the monthly snapshots and the goal at 52.00%. It ends with: offline web app + Google Sheets, three editions, separate files, no syncing.

The video has no sound. · 15 s

Feature images

See it in action

Your net worth at a glanceNet worth, changes over time, goal progress and where assets sit.
Two ways to trackThe overview in the web app and in Google Sheets, side by side.
Start with confidenceFive guided steps or a demo – and what's in the download.
Update your values each monthCopy last month's values and change only what moved.
Easy tracking in Google SheetsIn Google Sheets: one row per position, one column per month.
Everything you own and oweEight asset categories and six liability types.
Made for your regionUS, International and DACH editions with their own formats.
Track your net worth over timeMonth-end values only – gaps stay gaps.
Set net worth goalsProgress counts from your starting net worth – plain math, no forecast.
See where your money sitsAllocation, liquidity levels, liabilities and currencies.
Multiple currencies, one totalSeven currencies, with one manual rate per currency and month.
Your offline app, your local dataBrowser storage, JSON backup and a demo; Sheets saves to your Google account.
Reports and exportsYear-end and monthly values, CSV exports and a JSON backup.

Inside the app

Real screenshots, sample data.

DashboardNet worth, assets, liabilities, changes and goal progress.
AssetsLiquidity levels and your largest positions.
LiabilitiesBalances by category and over time.
Monthly snapshotsEvery month's totals and the five-step routine.
A month in progressTotals appear once every position has a value.
International editionThe overview in the International edition, in pounds.

What's included

Offline Web App
A single HTML file that opens in your browser, without an account or subscription.
Google Sheets Templates
A blank template and a filled-in sample.
Regional Editions
US, International and DACH, with regional currency and date formats.
START HERE Guide
Setup instructions in English and German (PDF).

What it does

What you own and owe

8 asset categories, from bank accounts and investments to real estate, vehicles and crypto
6 liability types, including mortgage, car loan, credit card and student loan
Enter an amount, or quantity × your own price for shares, ETFs and crypto
Archive sold or paid-off positions without losing their history

The monthly snapshot

One snapshot per month, valued at month end
Copy last month's values into empty fields – nothing you typed is overwritten
Missing values stay visible and never count as zero; 0 is a real value
In the web app, finalize a complete month to lock it

Changes and goals

Change vs. last month, year-to-date and year over year, in amount and %
Charts for net worth over time, assets vs. liabilities and the monthly change
Goals with a target and a month, progress from your starting point and the average monthly increase needed

Currencies and liquidity

USD, EUR, GBP, AUD, NZD, CAD and CHF, totaled in your base currency
One manual exchange rate per currency and month, with a rate history
Readily available, convertible and restricted assets, based on the levels you assign

Reports and exports

Monthly values, year-end net worth from a finalized December and the average monthly change
In the web app: 5 CSV exports, print or save as PDF and a JSON backup

Web app or Google Sheets?

Both versions are in your download – each with monthly snapshots, comparisons, goals, currencies and charts. They are separate files; pick the one that fits how you work.

Topic	Offline web app	Google Sheets
Where your data lives	In your browser, on this device	In your own copy in Google Drive
Account	Not needed	A free Google account
Works offline	Yes, once the file is open in your browser	Usually needs an internet connection
Monthly update	Update Month, with last month's values copied into empty fields	One row per position, one column per month – room for 120 positions and 60 months
Finishing a month	Finalize Month locks it; reopen it to correct	Set the month to Finalized on the snapshots tab
What's missing	Each position shows its status, such as missing value	Amber cells and a checks tab
Backup & history	JSON backup and restore; five CSV exports	Google's version history

They don't sync.

How it works

Buy on Etsy
Check out on Etsy, then download your files in a web browser – not in the Etsy app.
Open START HERE
The guide shows which web app file to open and has your Google Sheets copy links and the link for iPhone and iPad.
Start planning
Open the web app in your browser, or make your own copy of the Google Sheets template, and add your first entry.

More about how it works

Is it right for you?

A good fit if you …

want one clear number each month: what you own minus what you owe
keep accounts, property or investments in several places – or in more than one currency
prefer typing in values yourself to linking accounts
want to follow a net worth goal without assumed returns

Maybe not the right fit if you …

are mainly paying down debts and want a month-by-month payoff plan. Debt Payoff Planner →
want a monthly spending budget rather than a balance sheet. 50/30/20 Budget Planner →
want to record everyday income and expenses. Budget Spreadsheet →
need live prices, exchange rates or bank imports – every value here is typed in by you.

Net Worth Tracker

€6.99 for buyers in Germany, incl. 19% VATEtsy shows the final amount in your currency at checkout.

Buy on Etsy – €6.99

One-time purchase · instant download · offline web app + Google Sheets

What you need

Device	Web app	Google Sheets
Windows or Mac computer	Open the HTML file in Chrome, Edge, Firefox or Safari	In your browser
Android phone or tablet	Open the file from Downloads with Chrome	Google Sheets app or browser
iPhone & iPad	Open the web-app link from your START HERE guide in Safari and add it to your Home Screen	Google Sheets app or browser

Editions

Edition	Format
US	United States (USD)
International	United Kingdom, Ireland, Australia, New Zealand and Canada
DACH	Germany, Austria and Switzerland (EUR and CHF, German)

Good to know

Digital download only. No physical item will be shipped.
The offline app stores data locally in your browser. Create JSON backups regularly to help prevent data loss.
The Google Sheets version stores data in your own Google account.
No bank connection, no automatic imports, no live prices or exchange rates – all values are entered by you.
Goal calculations are planning estimates, not forecasts.
This tracker is an organization tool, not financial, tax or investment advice.
For personal use only.

Questions about the Net Worth Tracker

Does it connect to my bank or brokerage?

No. There are no bank connections, no imports and no live prices. You type in each value once a month.

Why are my totals empty?

A month shows totals only when every position has a value – and every foreign currency a rate for that month. Enter 0 for a real zero.

How is goal progress worked out?

Progress measures the way from your starting net worth to your target, so halfway there is 50%. It's plain math on your entries, not a forecast.

Do I need an account?

The web app needs no account – you open the file in your browser. The Google Sheets version needs a free Google account. There's no stillmeasure. account and no subscription.

Where is my data saved – and do the two versions sync?

The web app saves everything in your browser on that device – export a JSON backup regularly. The Google Sheets version is your own copy in Google Drive. The two don't sync.

Does it work on my iPhone or iPad?

iPhone & iPad: open the web-app link from your START HERE guide in Safari and add it to your Home Screen. A downloaded HTML file on its own only opens as a preview on iPhone and iPad.

Can I use it in Excel?

It isn't supported. The spreadsheet is built for Google Sheets.