XLSXMoney & Markets

Net-Worth Tracker

One sheet for everything you own and everything you owe, tracked over time in a single currency.

Who it's for

Anyone who wants one honest number instead of scattered balances.

What's in it

  • Asset and liability registers
  • Multi-currency holdings converted to one reporting currency
  • A month-by-month history
  • A change-over-time summary

What it helps you do

  • Replace scattered balances with one number
  • See whether you are actually moving forward year to year
  • Separate what you own from what you control

Questions

How often should I update it?
Monthly is enough. The point is the trend, not the daily number.

Educational use only. This resource is a general template for learning and planning. It is not personalised financial, accounting, tax or legal advice, and it does not guarantee any outcome. Check anything important against your own circumstances and a qualified professional. Full disclaimer.

Read alongside it

  • Why prices moved before your salary did

    Inflation is usually explained as "prices going up". That framing hides the part that actually affects you: prices and incomes do not move at the same speed, and the gap between them is where the damage happens.