Personal Finance
Net Worth Tracker
Assets, liabilities and monthly progress in one place
- Assets, debts and the trend
- Charts that update themselves
- Works in free Google Sheets
What it does
Inside the workbook.
What you own, what you owe, and whether the number is moving.
WHAT YOU GET
- A 5-tab workbook: START HERE · BALANCE SHEET · MONTHLY LOG · DASHBOARD · FAQ
- 2 charts that update themselves as you type
- Realistic example figures already filled in, so you can watch it work before you replace them
- A plain-English START HERE guide built into the file, plus a 10-question FAQ
WHY THIS ONE
- Works in FREE Google Sheets. Also opens in Excel. No add-ons.
- One-time purchase. No subscription, no account, no upsell.
- Nothing connects to your bank or your accounting software. You type the numbers in yourself.
- Input cells are unlocked and formulas are protected so a stray paste cannot break the math — and there is NO password, so you can unlock and change anything.
- Every formula was opened in a calculation engine, fully rebuilt, and checked against values worked out independently of the file. If one disagreed, it would not be on sale.
HOW IT WORKS
1. Download and open the file. Nothing to unzip.
2. Read the START HERE tab — about two minutes.
3. Type your numbers over the examples in the blue cells.
GOOGLE SHEETS
File > Import > Upload > choose the file > Replace spreadsheet. Every formula was written to work in Google Sheets as well as Excel — no XLOOKUP, no LAMBDA, nothing that breaks on import.
INSTANT DOWNLOAD
Available immediately after purchase under Purchases and Reviews. Nothing ships.
REFUNDS AND SUPPORT
Instant digital downloads cannot be returned automatically through Etsy. Message me — if something is broken or not what you expected, I will fix it or refund you.
AI DISCLOSURE
This workbook was built with AI assistance. Every formula in it was then opened in a calculation engine and tested against independently calculated values before it was listed. The math is checked, not assumed.
This is a digital file only. No physical item will be shipped.
Sample figures, live formulas
What you open.
The proof
Every figure, worked out twice.
Before this workbook was listed it was opened in a calculation engine, rebuilt, and every headline figure was compared to a value computed independently in code from the same seed inputs. This is an excerpt of that ledger.
- BuildGenerated from a written spec, opened in a calculation engine, fully rebuilt.
- RecomputeEach figure worked out again in code — never read back from the sheet.
- CompareCell by cell, to a stated tolerance. One disagreement and it does not go on sale.
| Sheet | Cell | Expected | Calculated | Figure | |
|---|---|---|---|---|---|
| BALANCE SHEET | F5 | 16,200 | 16,200 | ✓ | Total cash |
| BALANCE SHEET | F6 | 83,000 | 83,000 | ✓ | Total investments |
| BALANCE SHEET | F7 | 268,500 | 268,500 | ✓ | Total property |
| BALANCE SHEET | F8 | 367,700 | 367,700 | ✓ | TOTAL ASSETS |
| BALANCE SHEET | F11 | 236,700 | 236,700 | ✓ | TOTAL LIABILITIES |
| BALANCE SHEET | F12 | 38,700 | 38,700 | ✓ | Non-mortgage debt |
| BALANCE SHEET | F15 | 131,000 | 131,000 | ✓ | NET WORTH |
| BALANCE SHEET | F16 | -1,500 | -1,500 | ✓ | Liquid net worth |
Questions
Before you buy.
Does this connect to my bank?
No. Nothing connects, nothing uploads, nothing is sent anywhere. You type the numbers in yourself. That is deliberate — no credentials to hand over and no service to keep paying.
Will it work in free Google Sheets?
Yes. File > Import > Upload > choose the file > Replace spreadsheet. Every formula was written to work in Google Sheets as well as Excel — no XLOOKUP, no LAMBDA, no add-ons.
Why can't I type in some cells?
Those are formulas, locked so a stray paste cannot break the math. There is no password. Review > Unprotect Sheet opens the whole thing if you want to change something.
How should I value my house?
What it would realistically sell for this month, minus nothing. Do not use the purchase price and do not use the most flattering online estimate. If you are unsure, use the low end — an understated net worth never hurt anyone.
Should I include my car?
Include it at private-party resale value if you would actually sell it. Leave out furniture, clothes and electronics — they are not worth the trouble of tracking and they only ever flatter the number.
Does it work in free Google Sheets?
Yes. Every workbook is built with an older, universal formula vocabulary so it imports into free Google Sheets without add-ons, and it opens in Excel as well. You get both in one purchase.
How was it tested?
The workbook was opened in a calculation engine, fully rebuilt, and 21 figures were compared to values worked out independently in code from the same seed inputs. One disagreement would have stopped the release. An excerpt of that ledger is on this page.
Get it
Net Worth Tracker — $12.99
Instant download on Etsy. Google Sheets and Excel versions in the same purchase. No subscription, ever.
Educational estimates only. These calculators and workbooks do the arithmetic on the figures you enter; they are general-purpose tools, not financial, investment, tax, legal, lending, insurance or construction advice, and no result is a quote, an offer, or a guarantee of any outcome. Results depend entirely on your inputs and assumptions. Verify anything you intend to rely on with a licensed professional — a CPA, attorney, lender, licensed contractor, or your own agent. WorkbookBarn and Marcos Gil accept no liability for decisions made using these tools. Marcos Gil is a licensed Kentucky real estate agent (License No. 296259) and is not a lender, CPA or attorney.