Your bank balance only tells you part of the story. Net worth, what you own minus what you owe, is the one number that shows whether your money is actually moving in the right direction. This Google Sheets tracker takes a snapshot once a month and charts the trend. Setup takes about ten minutes, and updating it takes two.

Step 1: An accounts tab

Make a tab called Accounts with these headers in row 1:

A: Account B: Type C: Category

Checking Asset Cash

High-yield savings Asset Cash

401(k) Asset Retirement

Car Asset Property

Credit card Debt Credit

Student loan Debt Loan

Select column B, go to Data > Data validation , choose Dropdown , and add the two options Asset and Debt . That keeps the math from breaking when someone types "asset " with a space.

Step 2: A monthly balances grid

Still on Accounts , put a month in each column starting at D1: 10/1/2026 in D1, then in E1 enter:

=EDATE(D1, 1)

Enter fullscreen mode

Exit fullscreen mode

Drag E1 to the right for as many months as you want.…