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InstructionsTemplate by:MoneyAbroad.co
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Goal
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This Net Worth Tracker Template helps you track your Net Worth, Income, and Expenses as a couple or individual.
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Steps
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First, make a copy of this template. Update the sheet at the end of each month.
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For each tab, fill out only the highlighted yellow fields (overwrite placeholders). Other fields automatically calculate based on your inputs:
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1. Inputs tab
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a/ Fill out the yellow fields below with starting month, name(s), currencies of choice, and chosen categories.
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If single: leave blank for Person 2 Name
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2. Net Worth tab
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a/ Hit "+" at top to expand roll-up column to view yellow fields (each column = different currency denomination of your asset/liability accounts).
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b/ Fill out yellow fields for Combined/Joint, Person 1, and Person 2 accounts, ie start currency, end currency, & balance per asset/liability category.
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If single: Fill out Person 1 accounts only. Hide rows 4-31, 60-87.
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If couple: Check that Joint, Person 1, Person 2 sections are all using the same end currency, else you'll get an error.
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3. Income & Expenses tab (optional)
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a/ Fill out yellow fields in Budget column with your planned monthly amount, then Actuals columns with actual monthly amount.
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If single: Fill out Combined & Person 1 sections only. Clear Person 2 yellow fields. Hide rows 55-76.
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4. Projections tab (optional)
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a/ Fill out yellow fields to create a chart visualiation of your net worth projection vs goals
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4. Voila! You're tracking your net worth, income, and expenses across currencies and accounts.
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Inputs
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Starting Month:1/1/2024
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Person 1 Name:Michael
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Person 2 Name:Julie
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Currency Exchange (FX)
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Set your currency exchange rates used for calculations in the Net Worth tab: (hover for definitions)
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Start CurrencyEnd CurrencyFixed rateDynamic (now)Dynamic (prev month)
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SGDUSD0.750.77181640.7750196
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AUDUSD0.680.658230.66105
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USDUSD1
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SGDSGD1
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AUDSGD0.920.8528350.85295
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USDSGD1.341.295481.29029
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Asset Categories
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Label your asset categories (use placeholders or create your own):
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Category 1:
Cash, T-Bills & Bonds
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Category 2:Public Investments
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Category 3:Real Estate
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Category 4:Crypto
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Category 5:Private Investments
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Category 6:
Company Equity (409A/RSU)
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Liability Categories
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Label your liability categories (use placeholders or create your own):
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Category 1:Credit Cards
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Category 2:Student Loans
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Category 3:Mortgage
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Category 4:Unpaid Tax
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Expense Categories
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Label your expense categories (use placeholders or create your own):
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Category 1:Rent
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Category 2:Utilities
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Category 3:Food
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Category 4:Entertainment
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Category 5:Education
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Category 6:Shopping
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Category 7:Health
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Category 8:Transport
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Category 9:Travel
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Category 10:Cash Withdrawal
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Category 11:Services
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Category 12:Gifts/Other
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