Net Worth Tracker
A printable worksheet to list your assets and liabilities, calculate your current net worth, and compare it year over year.
Net Worth Tracker
Fill in current values for each item. Subtract total liabilities from total assets to calculate your net worth.
Cash and Savings
| Item | Current Value | Notes |
|---|---|---|
| Primary checking account | ||
| Secondary checking account | ||
| High-yield savings account | ||
| Money market account | ||
| Certificates of deposit (CDs) | ||
| Cash on hand | ||
| Other savings | ||
| Subtotal -- Cash and Savings |
Retirement and Investment Accounts
| Item | Current Value | Notes |
|---|---|---|
| 401(k) or 403(b) | ||
| Traditional IRA | ||
| Roth IRA | ||
| Pension (present value) | ||
| Taxable brokerage account | ||
| HSA (Health Savings Account) | ||
| 529 / education savings | ||
| Other investments | ||
| Subtotal -- Retirement and Investments |
Property and Real Estate
| Item | Estimated Market Value | Notes |
|---|---|---|
| Primary residence | ||
| Second home or vacation property | ||
| Rental / investment property | ||
| Land | ||
| Other real estate | ||
| Subtotal -- Property |
Vehicles and Personal Property
| Item | Current Resale Value | Notes |
|---|---|---|
| Vehicle 1 (year / make / model) | ||
| Vehicle 2 (year / make / model) | ||
| Motorcycle, RV, or boat | ||
| Jewelry or collectibles | ||
| Cash value life insurance | ||
| Other valuable personal property | ||
| Subtotal -- Vehicles and Personal Property |
Total Assets
| Category | Subtotal | Notes |
|---|---|---|
| Cash and Savings | ||
| Retirement and Investments | ||
| Property and Real Estate | ||
| Vehicles and Personal Property | ||
| TOTAL ASSETS (A) |
Mortgage and Real Estate Debt
| Item | Balance Owed | Notes |
|---|---|---|
| Primary mortgage | ||
| Second mortgage / HELOC | ||
| Rental property mortgage | ||
| Other real estate debt | ||
| Subtotal -- Real Estate Debt |
Consumer and Other Debt
| Item | Balance Owed | Notes |
|---|---|---|
| Auto loan 1 | ||
| Auto loan 2 | ||
| Student loan (federal) | ||
| Student loan (private) | ||
| Credit card 1 | ||
| Credit card 2 | ||
| Credit card 3 | ||
| Personal loan | ||
| Medical debt | ||
| Other debt | ||
| Subtotal -- Consumer Debt |
Total Liabilities and Net Worth
| Item | Amount | Notes |
|---|---|---|
| Total Real Estate Debt | ||
| Total Consumer Debt | ||
| TOTAL LIABILITIES (B) | ||
| NET WORTH (A minus B) | ||
| Last year's net worth | ||
| Change from last year |
Notes
Frequently Asked Questions
What is net worth and how do you calculate it?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). Add up the current value of your savings, investments, property, and vehicles. Then subtract all outstanding debts including your mortgage, car loans, student loans, and credit card balances. The result is your net worth -- positive means you own more than you owe.
How often should you track your net worth?
Most financial planners recommend calculating your net worth once or twice a year. Annual tracking is enough to spot meaningful trends without getting distracted by short-term market fluctuations. A good habit is to fill out this tracker at the same time each year, such as January or on your birthday, so you have consistent comparison points.
Is it normal to have a negative net worth?
Yes, especially early in your career. Student loans, a new mortgage, or a car loan can easily put your liabilities above your assets. A negative net worth is not a failure -- it is a starting point. The goal is to watch the number trend upward over time as you pay down debt and build savings and equity.
What counts as an asset on a net worth statement?
Assets include anything with monetary value that you own: checking and savings account balances, retirement accounts (401k, IRA), brokerage investments, real estate (estimated market value), vehicles (current resale value), cash value life insurance, and valuable personal property. Use realistic current values, not what you paid or what you hope something is worth.