Calculate and track your net worth over time. List all assets (bank accounts, investments, property, crypto) and liabilities (mortgages, student loans, credit cards), then track your net worth month over month to see your financial trajectory.
This tracker includes 4 sections covering everything you need.
Everything you own that has monetary value.
| Asset | Category | Account/Location | Value | Last Updated |
|---|---|---|---|---|
| --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- |
Everything you owe.
| Liability | Type | Creditor | Balance | Interest Rate | Monthly Payment |
|---|---|---|---|---|---|
| --- | --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- | --- |
Total assets minus total liabilities.
| Total Assets | Total Liabilities | Net Worth |
|---|---|---|
| --- | --- | --- |
| --- | --- | --- |
Track net worth month over month to see your trajectory.
| Month | Total Assets | Total Liabilities | Net Worth | Change | Change % |
|---|---|---|---|---|---|
| --- | --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- | --- |
Follow these steps to get the most out of this template.
List every asset: checking/savings accounts, investment accounts, retirement accounts (401k, IRA), real estate (estimated market value), vehicles, crypto, and valuable personal property.
List every liability: mortgage balance, student loans, car loans, credit card balances, personal loans, and any other debts.
Subtract total liabilities from total assets to calculate your net worth.
Update values on the first of each month — even estimates are better than not tracking.
Review your month-over-month trend rather than obsessing over any single month's number.
Set annual net worth goals and track whether you are on pace.
Anyone who wants to understand their complete financial picture beyond just income.
People at any stage of life who want to track financial progress over time.
Individuals with assets and debts spread across many institutions.
Those preparing for major financial decisions (home purchase, retirement, career change).
This template is great for manual tracking, but Clarity automates everything for you. Connect your bank accounts, brokerages, exchanges, and wallets and see real-time data without entering a single number.
Include all financial accounts (checking, savings, investments, retirement), real estate equity, vehicle value (Kelley Blue Book), crypto holdings, and valuable personal property worth over $1,000. For liabilities, include all debts: mortgage, student loans, car loans, credit cards, and personal loans.
Yes, especially for young adults with student loans or recent homebuyers. The average net worth for Americans under 35 is around $76,000, but the median is much lower. Focus on the trend — your net worth should increase over time as you pay down debt and build assets.
Monthly is ideal for active tracking. At minimum, update quarterly. Consistency matters more than frequency — pick a schedule and stick with it. Clarity updates your net worth automatically as connected accounts sync.
Include it, but use realistic values (Kelley Blue Book trade-in value, not retail). Include the remaining car loan as a liability. Be aware that vehicles depreciate, so your car's contribution to net worth decreases over time.
Other templates you might find useful.
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RetirementRetirement Savings Planner
Plan your retirement savings with contribution tracking, employer match calculations, projected growth, and income replacement analysis. Covers 401(k), IRA, Roth IRA, and other retirement vehicles.
DebtDebt Payoff Planner
Plan your complete debt payoff strategy. Compare avalanche (highest interest first) vs snowball (smallest balance first) methods. See your payoff timeline, total interest paid, and monthly payment schedule.
Clarity connects to your financial accounts and automates what this template does manually. Real-time data, zero data entry, and AI-powered insights.