Net Worth Tracker

See everything you own and everything you owe in one place, and watch your net worth grow month by month. Ten minutes a month: type your balances and the spreadsheet does the rest. Made for UK savers. The UK edition runs on the tax year (6 April to 5 April) and tracks how much of your ISA allowance you've used and have left, with separate Cash ISA and Lifetime ISA limits and an estimate of your Lifetime ISA bonus. It splits your money between you, a partner and joint accounts, so it works for couples too. A US edition ($, calendar year, IRA, 401(k) and HSA limits) is included. Works in Google Sheets AND Excel. WHAT'S INSIDE (7 tabs) - Dashboard: net worth, assets, debts, this month's change, the last 12 months, ISA allowance left, progress to your net worth goal, where your money is (cash, investments, pensions, property, other) split by you, your partner and joint, plus a month-by-month chart and an assets mix chart - Setup: your names, the month you start, your net worth goal, yearly limits (editable) and up to 30 accounts. Pick a type (current account, Cash ISA, stocks and shares ISA, Lifetime ISA, workplace pension, home, mortgage, credit card, car finance and more) and the group fills in - Balances: one column per month, 36 months of room. Type debts as positive numbers and they're taken off for you - History: assets, debts and net worth for every month, by group, with the change in money and percent (green up, red down) - Allowances: log money you pay in and see ISA allowance used and left this tax year, Cash ISA and Lifetime ISA limits, and pension payments - Goals: up to 10 savings goals. Link a goal to an account and it updates from your balances, or type the amount saved. Shows how much to save each month to hit the date WHAT YOU GET - 2 versions: £ (UK tax year) and $ (US) - Quick Start guide (PDF) No bank connections and no apps: your numbers stay in your own file. HOW IT WORKS - Download the files from your Etsy Purchases page - Google Sheets: upload the .xlsx to Google Drive, open it, then File > Save as Google Sheets - Excel: just open it (Excel 2010 or later, Windows or Mac, or Excel for the web) - Type in the cream cells. Everything else updates on its own - A Quick Start PDF walks you through setup in 5 minutes GOOD TO KNOW - Plain formulas only: no macros, no add-ins, no subscriptions - Formula cells are locked so you can't break them by accident (no password, so you can unlock and customise) - Apple Numbers and LibreOffice aren't officially supported PLEASE NOTE - This is a DIGITAL download. Nothing physical will be shipped. - Personal use only. Please don't share or resell the files. This is a record-keeping tool, not financial advice. Allowance limits are the usual ones at the time of writing and can be changed in the file: always check the current rules. Designed by Thexton Labs. Artwork and layouts were created with our own code, with the help of AI tools.