Net Worth Tracker

See your whole financial picture on one printable page

The net worth tracker is a one-page printable that captures everything you own and everything you owe. The top section lists your assets with a value column and a total row; the middle section lists your liabilities the same way; and a highlighted band at the bottom is where you subtract total liabilities from total assets to find your net worth.

Net worth is the single number that tells you whether you are moving forwards. Income comes and goes, but tracking what you own minus what you owe, month after month, shows the real trend.

Supports GBP (£), USD ($) and EUR (€), prints in A4 or US Letter, and lets you add up to four period columns so you can compare the same items over time.

Why track your net worth?

A budget tells you about a single month; net worth tells you about your whole financial direction. Use the sheet to:

• watch savings and investments grow over the year
• see debt shrink as you pay it down
• spot whether lifestyle creep is quietly eating your progress
• keep one honest snapshot you can revisit each quarter
• motivate yourself with a number that moves in the right direction
• review progress towards a deposit, a debt-free date, or retirement

Writing the figures by hand once a month makes the trend feel real in a way a banking dashboard rarely does.

What you can customise

• Page title: default "Net Worth Tracker" or rename it for a household or an individual
• Name and date line: turn it on or off at the top of the page
• Asset rows: 5 to 15 rows for accounts, property, pensions, investments and possessions
• Liability rows: 5 to 15 rows for mortgages, loans, credit cards and overdrafts
• Period columns: 1 to 4 value columns so you can track the same list across the year
• Currency: GBP (£), USD ($) or EUR (€); the symbol prints in every value column header
• Paper size: A4 or US Letter PDF

What counts as an asset and a liability?

Assets — what you own

Cash and current accounts, savings, ISAs, premium bonds, pensions, shares and funds, the value of your home or car, and anything else of meaningful resale value. Use realistic figures, not what you paid.

Liabilities — what you owe

Your mortgage balance, personal loans, car finance, credit-card balances, student loan, overdraft and any money owed to family. Always use the outstanding balance, not the original amount borrowed.

Net worth

Total assets minus total liabilities. A positive number means you own more than you owe; a negative number is normal early on, especially with a mortgage or student loan, and the goal is simply to watch it improve.

How to use the tool

1. Enter a title or keep the default.
2. Choose how many asset and liability rows you need.
3. Pick the number of period columns (1 for a single snapshot, up to 4 to track over time).
4. Select your currency and paper size.
5. Preview the sheet, download the PDF and print at 100% scale.
6. Fill in each row with a pen, total each section, and subtract to find your net worth.

Related planner printables

• Monthly Budget Planner
• Monthly Bill Tracker
• Debt Payoff Tracker