Net Worth Tracker Spreadsheet Template

Asset Categories

The first sheet in this template is your asset inventory. Every account you own that holds value goes here, organized by category. The goal is to have one place where you can see everything, because the biggest risk to a good financial plan is not knowing what you actually have.

Retirement accounts:

Account	Institution	Current Balance	Monthly Contribution	Notes
401(k)	[Employer plan / Fidelity, Vanguard, etc.]	$_____	$_____	Pre-tax or Roth?
Roth IRA	[Institution]	$_____	$_____	Max: $7,000/year (2026)
Traditional IRA	[Institution]	$_____	$_____	Deductible or non-deductible?
Old 401(k) #1	[Former employer plan]	$_____	$0	Consider rollover
Old 401(k) #2	[Former employer plan]	$_____	$0	Consider rollover
SEP-IRA or Solo 401(k)	[Institution]	$_____	$_____	Self-employment income only
457(b)	[Employer plan]	$_____	$_____	Government/nonprofit employers
HSA (invested portion)	[Institution]	$_____	$_____	Triple tax advantage

List every retirement account you have, including old ones from previous employers that you have not touched in years. Those forgotten 401(k)s still count toward your net worth and your overall asset allocation.

Taxable brokerage accounts:

Account	Institution	Current Balance	Monthly Contribution	Tax Lots?
Individual brokerage	[Institution]	$_____	$_____	Y/N
Joint brokerage	[Institution]	$_____	$_____	Y/N
Robo-advisor	[Institution]	$_____	$_____	Y/N

Equity compensation:

Type	Company	Vested Value	Unvested Value	Next Vest Date
RSUs	[Company]	$_____	$_____	[Date]
Stock options (ISO)	[Company]	$_____ (in-the-money)	$_____	[Date]
Stock options (NSO)	[Company]	$_____ (in-the-money)	$_____	[Date]
ESPP shares	[Company]	$_____	N/A	[Next purchase date]

For net worth calculation, use only the vested value. Unvested equity is worth tracking for planning purposes, but it is not yours until it vests. Include in-the-money value only for options (current stock price minus exercise price, times number of shares).

Real estate:

Property	Estimated Value	Mortgage Balance	Equity
Primary residence	$_____	$_____	$_____
Rental property	$_____	$_____	$_____

Use a conservative estimate for property value. Zillow Zestimates fluctuate. A reasonable approach: use the lower of your most recent tax assessment or Zillow estimate. Update quarterly rather than monthly since property values do not change meaningfully month to month.

Cash and cash equivalents:

Account	Institution	Balance
Checking	[Bank]	$_____
Savings / HYSA	[Bank]	$_____
Money market	[Institution]	$_____
CDs	[Institution]	$_____
I-Bonds	TreasuryDirect	$_____

Other assets (optional, include if material):

Asset	Estimated Value	Notes
529 plan(s)	$_____	For your children’s education
Crypto	$_____	Use current market value
Business equity	$_____	If you own a business, estimate conservatively

Liability Categories

Liabilities reduce your net worth. List every debt with enough detail to track payoff progress.

Debt	Institution	Balance	Interest Rate	Monthly Payment	Payoff Date
Mortgage (primary)	[Lender]	$_____	___%	$_____	[Date]
Mortgage (rental)	[Lender]	$_____	___%	$_____	[Date]
Student loans	[Servicer]	$_____	___%	$_____	[Date]
Auto loan	[Lender]	$_____	___%	$_____	[Date]
Credit card balance	[Card]	$_____	___%	$_____	[Date]
Personal loan	[Lender]	$_____	___%	$_____	[Date]
HELOC	[Lender]	$_____	___%	$_____	[Date]

Total liabilities: $________

If you carry a credit card balance month to month, list it here. If you pay your card in full every month, do not list it as a liability — it will be zero by the time you update your net worth.