Net Worth Tracker: Free UK Spreadsheet

What’s in the Net Worth Tracker

How to Use the Net Worth Tracker

It takes about five minutes the first time and even less after that. Grab your latest bank, pension and mortgage statements before you start.

Step 1: Download and Open the File

First, download the net worth tracker and open it in Excel, Google Sheets or Numbers. If you use Google Sheets, upload the file to your Google Drive and open it from there.

Step 2: List What You Own

Next, replace the example figures with your own. Add your current accounts, savings, ISAs, investments and pensions, plus your home and any other property at what they would sell for today. Rename any line so it matches your real accounts.

Step 3: List What You Owe

Then add every debt, from your mortgage balance to credit cards, loans, car finance and overdrafts. Use the balance you owe today, not your monthly payment.

Step 4: Update It Once a Month

Finally, pick a set day each month, such as the first, and fill in the next column. The tracker works out your net worth, your change since last month and adds it to the chart, so you can see the trend over two years.

What to Count in Your Net Worth Tracker

The aim is a true picture, not a flattering one. So count things at what you could realistically sell them for, and include every debt, even small ones.

• Cash and savings, including cash ISAs and Premium Bonds
• Investments, such as stocks and shares ISAs, funds, shares and crypto
• Pensions, using the current value on your latest statement
• Your home and any other property, at today’s likely sale price
• Cars and valuables, if they are worth enough to matter to you
• Every debt: mortgages, credit cards, loans, car finance, overdrafts and buy now pay later

Some people leave out their home, because they will always need somewhere to live. That is fine, as long as you do the same every month so the trend stays fair.

What Is a Good Net Worth in the UK?

According to the ONS, the middle household in Great Britain had total wealth of £293,700 between April 2020 and March 2022, including pensions. However, age makes a huge difference. The middle household headed by someone aged 25 to 34 had £109,800, while for 55 to 64 it was £496,500.

In other words, the number matters less than the direction. A net worth tracker that rises a little most months is a sign you are doing the right things. To see how you compare with households your age, try our online net worth calculator.

Net Worth Tracker FAQs

Is the Net Worth Tracker Free?

Yes. It is a free Excel file with no sign up. Download it once and use it for as long as you like.

Is My Data Private?

Yes. The file lives on your own computer or in your own cloud storage, so nobody else sees your figures unless you share the file.

Why Did My Net Worth Go Down?

Usually it is a market dip, a big purchase or a drop in house prices. One bad month is normal. What matters is the trend over a year or more, which the chart shows clearly.

Should I Track It Monthly or Yearly?

Monthly works well while you are building the habit. Once you are on track, many people switch to every three months. Either way, stick to the same day each time.

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.