Net worth templates

A net worth statement lists what you own and what you owe, then subtracts one from the other. Repeating it every few months shows whether your finances are moving in the right direction. An investment portfolio tracker follows the holdings behind the investment side of the same picture.

Include assets such as cash and property, investments and pensions, debts and loans, net worth total, date of each update, and change since last time. Value assets on the same date each time, and use a cautious figure for investments and property so the trend stays honest.

Add up everything you own, then subtract everything you owe. The result is your net worth, which is negative when debts are larger than assets.

Update it every three to six months, or at least once a year. Frequent updates can make normal market movements look like real change.

Assets include cash, savings, investments, pensions and property you could sell. Everyday items you use but would not sell, such as furniture, are usually left out.

Start with Investment Portfolio Tracker: Track the cost, value and gain of each fund and see how the portfolio is spread across asset classes. If that is not the right fit, compare it with Net Worth Tracker.

The templates here are 4 pages long. Cut any section you do not need; each template explains what its sections are for.

Yes. These net worth templates work in Google Sheets and Microsoft Excel. All 2 templates are free, with no account or email needed.