Template
Net Worth Tracker
Your net worth is the single number that tells you whether you are actually getting wealthier, regardless of how much you earn. This tracker lets you list everything you own — bank balances, mutual funds, EPF, PPF, gold, property — and subtract everything you owe — home loan, car loan, credit card dues — to arrive at one honest figure. Updated monthly, it turns scattered account balances into a trend line, so you can see your investments compounding and your loans shrinking, and judge progress by direction rather than guesswork.
Free · Excel / Google Sheets compatible · no signup — see what’s inside below, then download.
What it does
The tracker gives you two lists — assets and liabilities — and computes the difference as your net worth. On the asset side you record liquid holdings (savings, FDs), market-linked investments (mutual funds, stocks, NPS), retirement balances (EPF, PPF), and physical assets (gold, real estate). On the liability side you record outstanding loan principals and credit card balances. Each month you update the figures and the sheet stores a snapshot, building a month-on-month trend that shows whether your wealth is genuinely rising. Because it nets investments against debt, it reveals progress that a single bank balance never could.
Who it’s for
- Investors who want one number to judge whether their plan is working.
- People juggling multiple accounts — EPF, several mutual funds, gold, an FD — who have never added them up.
- Borrowers paying down a home or car loan who want to watch their equity grow.
- Anyone who wants to set a net-worth milestone (their first ₹25 lakh, their first ₹1 crore) and track toward it.
Fields included
How to use it
- List every asset on its own row — savings, FDs, mutual funds, stocks, EPF, PPF, NPS, gold, property.
- Enter the current value of each; for market-linked holdings use the latest statement value.
- List every liability — home loan, car loan, personal loan, and credit card outstanding.
- Enter the outstanding principal for each loan (from your latest amortisation statement, not the original amount).
- Read the net worth line: total assets minus total liabilities.
- Repeat on a fixed date each month — say the 1st — and let the trend column fill in.
- Review the trend quarterly; a steadily rising line means your savings and prepayments are outpacing lifestyle inflation.
Preview
| Item | Type | Value (₹) |
|---|---|---|
| Mutual funds | Asset | 9,00,000 |
| EPF + PPF | Asset | 9,00,000 |
| Home loan outstanding | Liability | 34,00,000 |
| Credit card outstanding | Liability | 40,000 |
| Net worth | Total | -12,90,000 |
Free Excel / Google Sheets template — no signup required.
Download Excel template (.xlsx)Example workflow
Meera, 32, lists her assets: savings ₹1.5L, mutual funds ₹9L, EPF ₹6L, PPF ₹3L, and gold ₹2L — total ₹21.5L. Her liabilities are a home loan with ₹34L outstanding and a credit card balance of ₹40,000 — total ₹34.4L. Her net worth is therefore −₹12.9L, which is normal early in a home loan. Six months later her mutual funds have grown to ₹10.4L, her SIPs and EPF have added more, and her loan principal has dropped to ₹32.8L. Her net worth has improved by roughly ₹2.5L, confirming her plan is on track even though the headline number is still negative.
Frequently Asked Questions
Ready to put this to work?
Download Excel template (.xlsx)