The ultimate guide to 100 free Excel and Google Sheets templates people actually use to track their net worth, reviewed and grouped by how far they take you and their capabilities.
Free templates only. Apart from Klarmo's own template, nothing is hosted here: every link goes to the author's own page.
One dated sheet with assets by type and subtype, valuation, liquidity and currency risk, debt, unrealized tax, expected net return and cash flow per asset, plus income and expenses. The same layout Klarmo imports.
Licence: Free to use and share
Single-snapshot line-by-line asset and liability worksheet with real estate, precious metals, collectibles and notes receivable rows.
Licence: Private use, not for distribution or resale
Snapshot statement with cash, investments, personal property and loans; currency selectable via country settings.
Licence: Private use only, not for distribution or resale
Copyable assets and liabilities worksheet covering retirement, brokerage, crypto, real estate, vehicles and collectibles.
Separate US and Canadian versions covering retirement accounts, real estate, vehicles, personal property and loans.
One-snapshot single-sheet tracker with a currency dropdown; paid tiers add a 12-month grid, categories and charts.
Licence: CC BY 4.0
Liquidity-tiered assets with a student-loan focus and a runway calculation for how long cash and investments last.
Free, email address required.
One-page snapshot statement itemising cash, securities, insurance, retirement, real estate and debts with automatic net worth.
Snapshot calculator with cash, investments, property and retirement assets against secured and unsecured liabilities.
Licence: Creative Commons, attribution required
Simple workbook listing personal items, cash equivalents and investments against credit card and mortgage debt with customisable labels.
Two-section workbook: a balance sheet of assets and liabilities plus an income-flow section; free account needed.
Free, email address required.
Balance sheet, cash-flow statement and details worksheet; computes debt-to-income, debt-to-assets and liquidity ratios.
Gallery of static personal balance sheet snapshots downloadable in Excel; no built-in history or charts.
Printable single-date personal balance sheets in Excel, Word and PDF; versions are compared by hand.
Point-in-time balance sheet separating investable accounts from lifestyle assets such as home equity, vehicles and collectibles.
Simple copyable Google Sheet listing assets and liabilities to compute net worth, from one of the oldest personal finance blogs.
Single-sheet auto-calculating workbook that lists assets, liabilities and net worth; the author suggests quarterly updates.
Malaysian single-snapshot Google Sheet splitting liquid and illiquid assets (EPF, PRS, property) and short and long-term liabilities.
Singapore one-file snapshot: net worth, CPF balances, income and expenses, insurance policies, retirement goals and an estate checklist.
German-language snapshot of savings plans, funds and ETFs, insurance and property versus loans, with a yield per year and monthly rate per item.
Licence: Free to use and adapt
German personal balance sheet with short and long-term assets, capitalised pensions, property, art and gold versus liabilities, each flagged for inflation exposure.
German-language single-date snapshot of accounts, property, securities, vehicles and loans with net worth; one file per reporting date.
Swedish-language Excel from Sweden's largest FIRE blog: an income statement plus a balance sheet computing net worth from stocks, property and personal items minus debts.
Free, email address required.
Single-sheet net worth statement with liquid, invested, farm and personal-property assets against short-term, long-term and farm liabilities.
Simple balance sheet with current and fixed assets and liabilities, personal and farm sections, and debt-to-asset ratios.
Farm-focused workbook producing a balance sheet (net worth statement), income statement, cash flow statement and financial ratios.
South African editable plan tracking assets, debts, net worth, investments, dividend income, expenses, diversification, retirement and a FIRE percentage.
Personal balance sheet plus a cash flow statement and details worksheet; computes net worth and liquidity, debt-to-income and debt-to-asset ratios.
Licence: Free for personal use; no redistribution
Single-sheet dashboard combining a personal balance sheet, income statement, goals and an account reference list for a net worth snapshot.
One-page net worth form separating liquid and illiquid assets from liabilities such as mortgage, auto and student loans.
Print-ready personal balance sheet with a details tab listing securities and real estate by acquisition date and loans with rates.
University extension fillable personal net worth statement, alongside a separate farm and ranch net worth statement.
German two-tab net worth calculator with a debt-to-income ratio and the Stanley and Danko wealth-formula benchmark.
French balance sheet plus an income and expense tab, savings capacity and a four-year projection with an assumed return per asset class.
Free, email address required.
Spanish one-glance net worth calculator with asset categories (cash, investments, real estate) and liability categories.
Brazilian Portuguese personal balance sheet with income sources, fixed-income and stock investments, non-current assets and debts.
Monthly net worth over time by bank, investment and liability accounts, from the YouTube personal finance channel.
Free, email address required.
Bi-weekly paycheck budget with a monthly net worth area, account values and credit card tracking.
Licence: Author: feel free to borrow any part of it
Monthly net worth snapshots in date columns with an automatic chart; rows for home, car and other valuables.
Locked-formula single-screen tracker comparing monthly and yearly snapshots; cash, investments, real estate, vehicles, crypto.
Licence: Personal use only
Annual net worth tracking across investments, real estate, bank accounts and debts.
Free, email address required.
Six-month extendable grid with month-over-month change; home, vehicle, other valuables and six debt rows.
Monthly columns with year-over-year comparison; taxable, retirement, cash, real estate equity, precious metals and debts.
Dated history sheet with trend and allocation charts; savings, investments, property, pensions and crypto rows.
Monthly tracker with a line chart and live prices; real estate, vehicles, crypto, life insurance and business equity rows.
Balance-history snapshots with weekly to yearly charts and optional bank sync; supports home equity, business and crypto.
Assets-minus-liabilities statement with quarterly totals, current ratio and debt-to-equity metrics, also usable for lenders.
Ticker-driven portfolio with live prices and allocation donut charts; manual rows for real estate.
Free, email address required.
India-focused Sheet with automated weekly net worth snapshots, XIRR, mutual funds, stocks, PPF, EPF and ESOPs.
Licence: Free for personal use; attribution requested
Open-source Excel workbook with transactions, investment balances, monthly and annual reports and wealth charts.
Licence: GPL-3.0
Simple Excel dashboard with separate assets and liabilities tabs and a chart.
One-sheet Excel worksheet: enter assets and liabilities to see net worth and an assets-versus-liabilities chart.
Monthly net worth tracker with a line chart; groups cash, investments, property and vehicles.
Free, email address required.
Monthly net worth tracker with dashboard charts and savings, investments, property and liabilities sections; direct copy link.
Balance sheet with grouped cash, residence, vehicle and valuables categories, a net worth tracker and dated-tab history.
Licence: Proprietary EULA on site
Monthly Excel net worth tracker with automated columns and charts, one tab per year, assets grouped by banking, retirement, brokerage and property.
Free, email address required.
Deliberately simple monthly Google Sheet of asset and liability balances (401k, home, vehicles) with net worth totals and a video walkthrough.
Australian blogger's personal monthly net worth spreadsheet covering super, ETFs, property and loans, sent on signup.
Free, email address required.
Canadian blog's Excel template with a pie-chart dashboard, cash, investment, retirement and personal asset tables, and secured and unsecured debt.
German-language Excel tracker from Germany's largest finance channel: dated entries show net worth, gross assets and debt across bank, securities, pension, property and metals.
Free, email address required.
German-language basic version with monthly asset and liability entries and automatic net worth; charts only in the paid dashboard.
Free, email address required.
German-language workbook with an assets and liabilities sheet, year-over-year comparison, a chart dashboard and debt and equity ratios; no account needed.
German-language templates with year-on-year net worth development, percentage changes and a pie chart of assets by class; direct download.
German-language asset statement covering bank, securities, property and tangibles versus loans, with passive income fields and a chart.
Indian workbook with savings, mutual funds, EPF and PPF, gold and property versus home, car and gold loans, in quarterly columns.
Month-end asset and liability grid for up to 120 months with net worth, a solvency ratio and a chart tab.
Tutorial-built dated asset and liability log with dropdown categories; the template is delivered by an email form linked in the video.
Free, email address required.
Free Google Sheet with a twelve-month net worth history, customizable start month, goal tracking and auto-generated charts.
Semi-automated 12-month assets and liabilities tracker whose dashboard charts update from manual inputs; enter $0 on Gumroad.
Minimalist workbook summarizing monthly income, spending and cumulative net worth with sparkline trends.
Formula-driven tracker with categorized assets, short and long-term liabilities with interest rates, a monthly snapshot table and a trend chart.
Accounts, investments, real estate, other and liabilities categories with custom subcategories, monthly change and a filterable timeline chart.
Free, email address required.
Excel tracker that projects future balances from your own contribution and expected return assumptions per account.
Dated balance-sheet workbook with a 24-row manual monthly history and trend and allocation charts.
Finnish monthly wealth-tracking sheet with months as rows and asset classes including home and car as columns, plus a stacked column chart.
Licence: Free for personal use
German three-sheet net worth calculator (dashboard, assets, liabilities) with a simple visual dashboard; direct download.
French seven-tab workbook (settings, entry, assets, debts, dashboard) with dated entries for periodic net worth reviews.
Licence: Free for personal use
French net worth snapshot by asset class with charts and a current-versus-target allocation comparison.
Free, email address required.
Italian dashboard with monthly trend lines, liquid versus total net worth and 15 preset line items per side.
Polish net worth workbook with monthly tracking and a progress chart; property, investments and cash versus mortgages and loans.
Net worth statement with customizable asset classes, a linked asset allocation tab and a FIRE scoreboard.
Google Sheet linking net worth to an asset allocation pie, target allocation, rebalancing amounts and a FI scoreboard.
UK monthly tracker with a net worth split chart, pensions, property equity, premium bonds and a 4%-rule FI calculation.
Nine-tab workbook with FIRE, Coast and Barista numbers, a 40-year projection, drawdown scenarios and a 24-month net worth log.
Interactive dashboard tracking end-of-month values and contributions per custom position, with net worth goals.
Free, email address required.
Monthly net worth, income decomposition, rolling spending, FIRE progress, allocation and rebalancing in one Excel workbook.
Single-tab month-by-month grid of cash, investments, use assets and loans, meant for projecting net worth forward.
Australian workbook with monthly budget versus actual, a month-by-month net assets tracker (super, property, offset, shares) and six charts.
Singapore Google Sheet with cash, investment, CPF, property, business and debt accounts, a monthly history archive, chart and currency conversion.
Pay-what-you-want transaction ledger with a monthly KPI dashboard, budget versus actual and assets and liabilities by month.
Licence: Personal-use licence
12-month personal financial statement with assets, liabilities, income, expenses and a dashboard of charts; the free version is limited.
Licence: Free version is limited; full licence is paid
Australian monthly net worth sheet covering super, shares, property equity, crypto and business, with property appreciation projections and goals.
Finnish-language pack with a monthly budget, a net worth sheet and yearly savings-rate tracking; no email needed.
French wealth tracker with budget, allocation by envelope and asset class, performance and long-term projections.
Free, email address required.
Polish chronological net worth file with structure charts, compound growth rate and a milestone projection.
Monthly balances by tax treatment, savings rate, asset allocation and years to financial independence.
Free, email address required.
Monthly net worth, savings rate, live share prices, mortgage equity, pensions and safe-withdrawal FI progress.
Dashboard with net worth trend, monthly cash flow, expense categories, real estate, vehicles, crypto and a two-scenario FIRE calculator.
Community-driven GBP-oriented Google Sheet tracking net worth, foreign exchange, crypto, physical assets and emergency-fund KPIs.
Licence: Free for personal use; redistribution and commercial use prohibited
Monthly net worth and budget sheet with live stock, ETF and crypto prices and currency conversion; FIRE dashboard only in the paid edition.
Free, email address required. Licence: Free basic edition; paid Complete edition