Free Net Worth Tracker
Your net worth is what you own minus what you owe, and it is the single best number for tracking your financial progress. This free net worth tracker makes it a five minute job each month.
Free Excel file. Works in Excel, Google Sheets and Numbers. On a phone you may need the free Excel, Numbers or Google Sheets app.
What’s in the Net Worth Tracker
🏦 What you own
Cash, savings, ISAs, investments, pensions, property and more. Rename any line to match your accounts.
💳 What you owe
Mortgage, credit cards, loans, car finance and overdrafts in one place.
📈 Progress
24 monthly columns, your change since last month and a chart of your net worth over time.
How to Use the Net Worth Tracker
First, download the file and open it in Excel, Google Sheets or Numbers. Next, replace the example figures in the first month with your own. Then pick a set day each month, such as the first, and fill in the next column. Finally, watch the chart to see how far you have come.
Ready to get started?
Download it free, fill in your own figures and let the spreadsheet do the maths.
Want to grow it faster? Read our guide to the FIRE movement in the UK and our tips on how the rich actually build wealth.
This spreadsheet is general information only and is not financial or tax advice. Tax rules can change and depend on your circumstances, so check GOV.UK or speak to an accountant before relying on it. Correct for the 2026/27 tax year, updated October 2026.