Track Your Net Worth Monthly in Google Sheets With Assets, Debts, and a Growth Chart

Net worth, the gap between what you own and what you owe, is presented as a clearer indicator of financial direction than bank balance alone. The guide walks readers through building a monthly tracker in Google Sheets, with an accounts list tagged as assets or debts and a column for each month. Formulas total assets and debts, calculate net worth and its monthly change, and compute a debt ratio that the author suggests keeping below 50%. A line chart of net worth over time and a category breakdown with a pie chart are also described. The article closes with a promotion for the author's own paid and free budget templates.