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Money Byte Resources

Free financial tools.
A clearer picture of your money.

Start with our free Net Worth Tracker. Bring your assets and debts together, calculate your net worth, and follow your progress month by month.

Free to useExcel + Google Sheets12 months of tracking

Featured free tool

Money Byte
Net Worth Tracker

One spreadsheet for your cash, investments, retirement accounts, property, and outstanding debts.

  • Automatic asset, debt, and net worth totals
  • Monthly dollar and percentage changes
  • Dashboard and an updating trend chart
  • Simple instructions and editable input cells
Use in Google SheetsDownload Excel Version

Enter your email to get access to both free versions. Save a personal copy before entering your balances.

Money Byte Net Worth Tracker dashboard with illustrative January and February balances and a net worth trend chart
Example balances shown for illustration. Your template starts blank.

Get started in three steps

01 / GET YOUR COPY

Get your free tracker

Enter your email, then choose the Google Sheets or Excel version on the download page.

02 / ADD YOUR BALANCES

Record a monthly snapshot

Set your tracking year. Enter assets and debts in the yellow cells using the same month-end date.

03 / REVIEW YOUR PROGRESS

See your net worth

Mark the month complete and select it on the Dashboard. Return each month to see what changed.

Learn alongside your numbers

Use these Money Byte guides as you review your cash and retirement accounts.

Review retirement contributions

Explore the 2026 Roth catch-up rule and the questions to ask about your workplace plan.

Read the Roth catch-up guide

Questions about the tracker

Is the Net Worth Tracker free?

Yes. Enter your email to access both the Excel and Google Sheets versions at no cost. Choose your preferred format and use a personal copy.

Do I need to connect my bank accounts?

No. You enter balances manually. Never enter banking passwords or full account numbers into the spreadsheet.

What happens if I skip a month?

Leave its completion setting at No. The results stay blank. Monthly changes require two adjacent completed months.

Can it show negative net worth?

Yes. If your debts exceed your assets, net worth is negative. Percentage change uses the absolute prior net worth. A zero prior balance displays n.a.

Can I reuse it next year?

Yes. Save a new copy, change the year, clear the balance inputs, and reset each month to No. Keep the old file as your history.

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This tracker organizes the balances you enter. It does not estimate taxes, selling costs, or future investment returns.