Personal Finance · Excel workbook · 11 sheets
Net Worth Tracker
Replaces
Empower / Monarch Money
~$20/mo
save ~$240/yr
10-yr: keep ~$2,389
Monthly-snapshot net worth ledger — assets vs debts across cash, investments, crypto, real estate, vehicles, and loans. No bank linking, no Plaid breakage, no data leaks. 30 seconds a month to log 8–15 balances; Dashboard reads the latest snapshot via SUMIFS+MAX(date). Now includes Industry Playbook, Print Reports.
Preview · Monthly Snapshots
| Snapshot Date | Account | Type | Asset/Debt | Balance | Prev Balance | Change $ | Change % | Goal Linked | Verified | Source | Notes |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026-03-31 | HSBC Checking | Cash | Asset | $3,800 | $3,550 | Yes | Statement | End-of-month sweep | |||
| 2026-03-31 | HSBC Savings | Cash | Asset | $12,000 | $11,500 | Emergency Fund | Yes | Statement | 6-mo target $18k | ||
| 2026-03-31 | Vanguard Roth IRA | Investment | Asset | $36,900 | $35,800 | Retirement | Yes | Statement | Maxed 2025 contribution | ||
| 2026-03-31 | Fidelity 401k | Investment | Asset | $82,500 | $80,100 | Retirement | Yes | Statement | Employer 5% match |
Inside the file
- START HERE
- Monthly Snapshots
- Accounts Setup
- Net Worth Dashboard
- Print Reports
- Data Import
- Companion Tools
- Assumptions
+ 3 analytical & operator sheets
- Lookup Tables
- Industry Playbook
- Settings & Targets
How it works
-
01
Open the .xlsx in Excel, Google Sheets, or Apple Numbers
Sample data is pre-loaded so every dashboard works the moment you open it. Look around. Click cells. See the formulas.
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02
Replace the sample data with your numbers
Paste a CSV from Empower / Monarch Money, type directly into the input sheets, or import month by month. The workbook recomputes automatically.
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03
Read the dashboards
11 sheets across KPI dashboards, forecasts, and traffic-light alerts. They update as you log. No buttons to press.
Frequently Asked Questions
Can I edit the formulas?
Yes — input cells, targets, and assumptions are editable. Logic sheets stay protected so the workflow remains stable while you customise the system.
Does it work in Google Sheets?
Best in Excel. You can open the .xlsx file in Google Sheets or Apple Numbers, but review formulas, formatting, and recalculation after import.
Is this a one-time purchase?
Yes — pay once and own it forever. No subscriptions, no monthly fees, no accounts required.
What if the template is not right for me?
We offer a 7-day review window. Contact support and we will sort it out.