Complete Before You Begin
Fill in your profile details each time you complete this worksheet. Tracking net worth over time is what transforms a snapshot into a story of progress.
Name(s):
Tracking Period: to
HOW TO USE THIS WORKSHEET
Four Simple Steps
Gather Your Statements
Date Completed:
Review Frequency:
Monthly/Quarterly/Annually
1 2 3 4
Pull your most recent bank, investment, retirement, mortgage, and loan statements before you begin.
Complete Every Section
Work through Assets first, then Liabilities. Use round numbers — accuracy matters more than precision.
Calculate Your Net
Worth
Total Assets minus Total Liabilities = Your Net Worth. Record it in the Summary on page 5.
Track Over Time
Repeat this worksheet every 3–6 months. Your trajectory matters more than any single snapshot.
Tip:
Use the “Prior Period” column to enter values from your last completed worksheet. The change between periods reveals your wealth momentum.
Primary Residence
Current market value (use Zillow/Redfin estimate)
Rental/Investment Property 1
Rental/Investment Property 2
Land/Undeveloped Property
SUBTOTAL — REAL ESTATE
Business Ownership Interest
Estimated fair market value of your share
Life Insurance Cash Value
Vehicles
SUBTOTAL — BUSINESS & OTHER ASSETS
TOTAL ASSETS (A)
SECTION 2 – LIABILITIES (WHAT YOU OWE)
List every debt obligation — outstanding balance, not monthly payment.
Go Beyond the Number
Your net worth is a starting point. These four ratios give you deeper insight into the health and structure of your financial life.
Debt-to-Asset Ratio
Total Liabilities ÷ Total Assets
Target: Below 0.50 (50%)
Your ratio: _________________
Liquidity Ratio
Liquid Assets ÷ Monthly Expenses
Target: 3–6 months of expenses
Your months: _________________
SECTION 5 – REFLECTION & NEXT STEPS
Your Observations
What surprised you most about your current net worth?
What asset category has the most room for growth?
Which liability will you focus on eliminating first — and by when?
Savings Rate
Monthly Savings ÷ Monthly Gross Income
Target: 20% or higher
Your rate: _________________
Investment-to-Debt Ratio
Total Investments ÷ Total Debt
Target: Above 1.0 (investments exceed debt)
Your ratio: _________________
What one action will you take in the next 30 days to increase your net worth?