Free net worth tracker spreadsheet
Every category that counts in India down the side, twelve quarters across the top, and the totals, net worth and chart already wired up. Works in Excel, Google Sheets and Numbers. No email, no sign-up, no watermark.
Download the spreadsheet (.xlsx) Free · nothing to fill in first
What's in it
- 12 asset categories — Mutual Funds, Equity, Foreign / US Equity, Crypto, Fixed Income, Gold & Silver, Bank Account & Cash, Real Estate, Physical Gold & Jewellery, Alternate Investments, Private Business, Others.
- 6 liability categories — Home Loan, Loan Against Property, Vehicle Loan, Personal Loan, Credit Card Outstanding, Education Loan.
- Twelve quarterly columns. Set the first date and the rest fill themselves in, three months apart.
- Totals, net worth and a chart as formulas. You only ever type values.
- Rupee formatting with Indian grouping — ₹1,57,20,000, not ₹15,720,000.
- A second sheet with the four mistakes that make the number wrong.
How to use it
- Set the first date in cell
B4. Every other column follows it. - Fill in what each category is worth today — not what you paid.
- Leave anything that doesn't apply blank.
- Come back once a quarter and fill the next column. The chart draws itself.
Where a spreadsheet stops working
Honestly: for a year or two, it doesn't stop. A spreadsheet is free, it's yours, it works offline, and nobody can shut it down. If that's what you want, take the file above and ignore the rest of this page.
What eventually goes wrong is always the same three things:
- Every figure is stale the moment you type it. Your equity and mutual funds move every day. A quarterly snapshot of a live portfolio is a photograph of a river — fine for the trend, useless for "what am I worth right now".
- Looking up the numbers is the actual work. Not the typing — the hunting. Opening the demat account, the CAMS statement, three bank apps and the EPFO portal is an hour, and it's the same hour every quarter. That's the thing people stop doing, and a tracker nobody updates is worse than none.
- It can't tell you anything you didn't already put in. Where you rank, what you'd need to retire, what a 3% withdrawal rate implies, how a goal is tracking — each is a formula you'd have to build and maintain yourself.
Networthy HQ is the same table with the lookups automated: import an NSDL CAS and your demat and mutual-fund holdings appear priced live; add property, gold, PPF and loans once. It's free, and you can export everything back to CSV whenever you want — including into this spreadsheet.
Common questions
- Is the net worth tracker spreadsheet free?
- Yes — no email, no sign-up, no watermark. Download it and it's yours to edit however you like.
- Does it work in Google Sheets?
- Yes. File → Import in Google Sheets, or just drag the .xlsx into Drive. The formulas are SUM, EDATE and subtraction, all of which Sheets supports.
- What's in it?
- Twelve quarters across the top and every category that counts in India down the side — mutual funds, equity, US stocks, crypto, fixed income including PPF and EPF, gold, bank balances, property, and the usual loans. Totals, net worth and a chart are formulas, so you only ever type the values.
- How often should I update it?
- Once a quarter is plenty. Net worth only means something as a series — a single figure tells you where you are, a line tells you whether what you're doing is working.
Or skip the quarterly hour.
Same categories, same number — without the hunting. Import a statement and it prices itself.
Also useful: work out your net worth right now, where it ranks, and how much you need to retire.
The spreadsheet does arithmetic on figures you supply — it can't check whether a property or unlisted holding is really worth what you've entered. Networthy HQ isn't financial advice — see Terms.