Guide

The Best Free Net Worth Spreadsheet (2026)

Written by Oscar Sanfelix, founder of Plannful. · Published 11 July 2026

A net worth spreadsheet should do more than total two columns - it should show your asset mix and chart your progress so the line going up keeps you motivated. Here is what separates a useful one from a static table in 2026.

What it must track

  • All asset types, separated - cash, investments, retirement, property and vehicles, each on its own line so you see the mix, not just one total.
  • All liabilities - mortgage, car loans, student loans, credit cards.
  • Net worth over time - a monthly history with a chart; the trend is the whole point.
  • Asset allocation - what share is in cash vs investments vs property, so you can rebalance.
  • Works in Microsoft Excel, updated in minutes once a month.

What to avoid

  • One total with no history - you cannot see progress, which is the motivation.
  • No asset breakdown - you miss being over-weighted in one place.
  • Subscription apps that put your full financial picture on someone else's server.

Start tracking

The Plannful Net Worth Tracker separates every asset and liability, charts net worth over time and shows your asset mix - in Microsoft Excel, a one-time purchase with no subscription.

See the Net Worth Tracker →

Want budgeting, debt and savings too? The Money Reset Kit bundles all four.

Let the spreadsheet do the math

The Plannful Net Worth Tracker for Microsoft Excel turns this into real working formulas — clean dashboards, instant download, yours to keep.

See the Net Worth Tracker →

Frequently asked questions

What should a net worth spreadsheet include?
It should list every asset (cash, investments, retirement, property, vehicles) and every liability (mortgage, loans, credit cards) separately, then chart net worth over time and show your asset mix. The history and trend matter more than any single total.
Is a spreadsheet better than a net worth app?
A spreadsheet is private, free of subscriptions and works offline, and updating it monthly builds the habit of looking at your money. Apps automate account syncing but charge a fee and store your full financial picture on their servers.
How often should I update my net worth spreadsheet?
Once a month on a fixed day is ideal. Consistency makes the trend line meaningful - watching net worth rise and debts shrink month over month is the motivation that keeps you investing and saving.

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