Templates · Net Worth
Free Net Worth Tracker Template
Find out what you are actually worth financially. List everything you own (bank accounts, investments, property, crypto) and everything you owe (mortgages, student loans, credit cards), then watch your net worth change month over month.
- Net Worth
- Tracker
- Free template
What's included
This tracker includes 4 sections covering everything you need.
Assets
Everything you own that is worth money.
| Asset | Category | Account/Location | Value | Last Updated |
|---|---|---|---|---|
| --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- |
Liabilities
Everything you owe.
| Liability | Type | Creditor | Balance | Interest Rate | Monthly Payment |
|---|---|---|---|---|---|
| --- | --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- | --- |
Net Worth Calculation
The simple math: what you own minus what you owe.
| Total Assets | Total Liabilities | Net Worth |
|---|---|---|
| --- | --- | --- |
| --- | --- | --- |
Monthly Tracking
Your net worth over time so you can see the trend.
| Month | Total Assets | Total Liabilities | Net Worth | Change | Change % |
|---|---|---|---|---|---|
| --- | --- | --- | --- | --- | --- |
| --- | --- | --- | --- | --- | --- |
How to use this template
Follow these steps to get the most out of this template.
- 1
List every asset: checking, savings, investment and retirement accounts, real estate (estimated value), vehicles, crypto, and anything valuable.
- 2
List every debt: mortgage, student loans, car loans, credit cards, personal loans, everything.
- 3
Subtract what you owe from what you own. That is your net worth.
- 4
Update on the first of each month — even rough estimates are better than not tracking at all.
- 5
Focus on the month-over-month trend instead of stressing about any single number.
- 6
Set yearly net worth goals and check whether you are on pace.
Who this template is for
Anyone who wants to see their full financial picture, not just their paycheck.
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).
Why use Clarity instead?
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.
- Automatic transaction imports from 12,000+ institutions
- Real-time portfolio values and net worth tracking
- AI-powered spending insights and budget recommendations
- Tax-ready reports with automatic cost basis calculations
- One dashboard for banks, brokerages, crypto, and DeFi
Frequently Asked Questions
What should I include in my net worth calculation?
All financial accounts (checking, savings, investments, retirement), real estate equity, vehicle value (use Kelley Blue Book), crypto, and personal property worth over $1,000. For debts, include everything: mortgage, student loans, car loans, credit cards, personal loans.
Is it normal to have a negative net worth?
Totally normal, especially if you are young with student loans or just bought a home. The average net worth for Americans under 35 is around $76,000, but the median is much lower. What matters is the trend — your net worth should grow over time as you pay down debt and build up assets.
How often should I update my net worth?
Monthly is great if you want to stay engaged. Quarterly works too. Consistency matters more than frequency — just pick a schedule and stick with it. Clarity updates your net worth automatically as your connected accounts sync.
Should I include my car in my net worth?
Yes, but be realistic about the value (use Kelley Blue Book trade-in, not retail). Include the remaining car loan on the liabilities side. Just know that cars depreciate, so their contribution to your net worth shrinks over time.
Related templates
Other templates you might find useful.
Investment Portfolio Tracker
See all your investments in one place — stocks, bonds, ETFs, mutual funds, the works. Track your cost basis, see how much you have gained or lost, check your asset allocation, and keep tabs on dividend income.
RetirementRetirement Savings Planner
Figure out if you are saving enough to retire comfortably. Track your contributions, calculate your employer match, project how your money will grow, and see whether your future self will thank you. Covers 401(k), IRA, Roth IRA, and more.
DebtDebt Payoff Planner
Map out your whole debt payoff plan. Compare the avalanche method (highest interest first) vs. snowball (smallest balance first), see exactly when you will be debt-free, how much interest you will pay, and what your monthly schedule looks like.
Ready to go beyond spreadsheets?
Clarity connects to your financial accounts and automates what this template does manually. Real-time data, zero data entry, and AI-powered insights.