Net Worth Tracker: Track Your Assets, Debts & Wealth Growth
- The Hunter of Money net worth tracker shows your assets, debts, and wealth growth month by month
- $19 download
⚡ Quick Answer: Net Worth Tracker
The Hunter of Money Net Worth Tracker is a spreadsheet that shows your real financial position in one number: everything you own, minus everything you owe. List your assets (cash, investments, retirement, real estate) and your debts (mortgage, loans, credit cards) once, and the tracker calculates your net worth automatically. A built-in 12-month log shows the trend as a chart, so you can watch the number move instead of guessing. An age-based benchmark calculator shows a rough, judgment-free target range for where you stand. Update it once a month and you always know exactly where you are.
A net worth tracker does one job: it tells you the truth about where you stand financially, in a single number you can actually watch move. This page walks you through exactly what the Hunter of Money Net Worth Tracker includes, how it works, and whether it is right for your situation.
Know Your Real Net Worth
in Minutes
Stop guessing whether you’re actually building wealth. The Hunter of Money Net Worth Tracker helps you list your assets and debts, see your true net worth calculated automatically, and watch it grow month over month.
One-time download, $19
Excel & Google Sheets compatible • No subscription • Use forever
| Category | Item | Value |
|---|---|---|
| Cash & Savings | Emergency fund | $9,500 |
| Investments | Brokerage account | $18,400 |
| Retirement | 401(k) + Roth IRA | $54,000 |
| Real Estate | Home (estimated value) | $285,000 |
| Debts | Mortgage + loans + cards | ($240,100) |
| Net Worth | $126,800 | |
You Can’t Manage What You Don’t Measure
Most people watch their checking account balance and call it their financial picture. It isn’t. Your checking account can look fine while your total position quietly gets worse, because debt crept up somewhere you weren’t tracking, or an account you forgot about lost value.
Net worth fixes that. It’s everything you own minus everything you owe, one number that catches what a single account balance never will. The problem is almost nobody tracks it, because there’s never been an easy place to put it.
This tracker gives you that place, and a reason to check it every month.
One Spreadsheet, Updated Once a Month
List what you own on the Assets tab and what you owe on the Debts tab. The Net Worth Summary tab does the subtraction for you, instantly, every time you touch a number. Log that total once a month on the Monthly Tracker tab, and a chart builds itself so the trend is impossible to miss.
There is no login, no app, and no subscription. Just a spreadsheet that tells you the truth about where you stand, and where you’re headed.
What’s Included in the Net Worth Tracker
- Assets tab: cash, investments, retirement accounts, real estate, vehicles, anything with real value
- Debts tab: mortgage, student loans, credit cards, auto loans, anything you owe
- Net Worth Summary: calculates itself the moment you update the other two tabs
- 12-month progress tracker: log your net worth monthly, watch a chart build itself
- Age benchmark calculator: enter your age and income for a rough, judgment-free target range
- Color-coded input cells: always clear which cells you edit and which calculate automatically
- Works in Excel & Google Sheets: no special software needed
- One-time download: no subscription, use it forever and update it every month
How the Net Worth Tracker Works
Two lists, one number, ten minutes to set up.
Cash, investments, retirement accounts, real estate, vehicles, anything with real value goes on the Assets tab.
Mortgage, loans, credit cards, anything with a balance goes on the Debts tab.
Assets minus debts, calculated automatically the moment you finish the other two tabs.
Add one row to the Monthly Tracker tab each month. The chart builds itself as you go.
Assets and Debts: Both Sides of the Same Number
Net worth only tells the truth when both sides are complete. Leave out a forgotten 401(k) and you’ll undersell yourself. Leave out a credit card balance and you’ll oversell yourself. The tracker keeps both sides in view, side by side, so nothing gets left out by accident.
Everything with real value: cash, investments, retirement accounts, real estate, vehicles.
Update: monthly, or whenever a balance changes meaningfully
Everything you owe: mortgage, student loans, credit cards, auto loans, personal loans.
Update: monthly, right after your statements close
For more on how debt and net worth interact, our guide on avalanche vs snowball payoff methods covers the debt side in depth.
See Where You Stand, Without the Guesswork
The tracker includes a simple age benchmark calculator built from general rule-of-thumb targets: roughly 0.5x to 1x your annual income by 30, 2x to 3x by 40, 4x to 6x by 50, and 7x to 9x by 60. Enter your age and income, and it shows your personal target range instantly.
Worth remembering: these are rough compasses, not scorecards. Everyone’s path looks different depending on income, location, and when they started. If you’re behind, that’s not a reason to panic, it’s a reason to start the habit today.
Benchmarks are general rule-of-thumb estimates, not personalized targets. Your own situation may reasonably differ.
This Is For People Who:
- Have never calculated their actual net worth
- Want one clear number instead of five scattered account balances
- Are paying off debt and want to see the whole picture improve, not just one balance
- Want a simple monthly habit they can actually keep
- Prefer a one-time tool instead of another subscription
This Is Not For People Who:
- Want an app that auto-syncs with their bank accounts
- Need investment management or a financial advisor
- Do not want to enter their own numbers
- Expect the number to change without new habits behind it
Why Bobby Built This
Bobby Cowart built Hunter of Money for everyday people who need practical tools, not just theory. After serving 30 years in the Navy, building real estate cash flow, and learning from both wins and mistakes, Bobby understands that money changes when people can finally see the numbers clearly.
This tracker was built to answer one question honestly: are you actually building wealth, or just staying busy? Bobby is not a licensed financial advisor. This is a practical tracking tool, not personalized advice.
Net Worth Tracker
$19 one-time download
Get Instant Access ($19)Excel & Google Sheets compatible • Instant download • No subscription
Net Worth Tracker, Frequently Asked Questions
Does this work in Excel?
Built for Excel, and it also works in Google Sheets with no changes needed.
Is this a subscription?
Not at all. Pay once and use it forever, no renewal, no subscription.
Does it connect to my bank accounts?
No. You enter balances yourself, once a month. That’s slower than an auto-sync app, and also means your data never leaves your own computer.
What should I count as an asset?
Anything with real, sellable value: cash, investments, retirement accounts, real estate, vehicles. Skip things like furniture or electronics unless they’re genuinely valuable, they add noise more than signal.
How often should I update it?
Once a month, the same day each time (the 1st, or payday, works well). Checking daily just adds stress from normal market noise.
Does this give financial advice?
This is an educational tracking tool only. It does not provide personalized financial, legal, or tax advice. For guidance specific to your situation, consider speaking with a qualified professional.
Stop Guessing. See the Number.
If you’re serious about building wealth, start by knowing exactly where you stand today.
Get the Net Worth Tracker ($19)Excel & Google Sheets compatible • One-time download • No subscription
This tool is for educational purposes only and does not provide personalized financial, legal, or tax advice. Hunter of Money may earn revenue from digital product sales and affiliate links. Always do your own research and consider speaking with a qualified professional for guidance specific to your situation.
You finished: Net Worth Tracker: Track Your Assets, Debts & Wealth Growth
- The Hunter of Money net worth tracker shows your assets, debts, and wealth growth month by month
- $19 download.