Net worth is the single number that tells you whether you are actually getting ahead. It is everything you own minus everything you owe. This tracker lets you log it once a month so you can watch the trend instead of guessing.
What is inside
- Asset rows for cash, savings, investments, retirement accounts, and property
- Liability rows for credit cards, student loans, car loans, and mortgages
- An automatic monthly net-worth total
- A trend column so you can see month-over-month change at a glance
How to use it
- Make your own copy from the link below.
- On the first of each month, update every balance. It takes about five minutes.
- Read the trend column, not the absolute number. Steady upward movement is the goal.
Why the trend matters more than the total
A negative net worth is normal early on, especially with student loans. What matters is direction. If the number climbs most months, your plan is working. If it stalls, that is your signal to look at spending or debt before it becomes a habit.