Knowing your net worth is the starting point for every financial goal. This tracker lists your assets and liabilities side by side so you can see the full picture at a glance.
What’s Inside
- Assets column: cash, savings, RRSP/401(k), TFSA/Roth IRA, investments, home, vehicles
- Liabilities column: mortgage, car loan, student loans, credit cards, other debt
- Bold net worth calculation box: Assets minus Liabilities
- 12-month tracking grid to watch your number grow
Print tip: Works on standard letter (8.5×11″) or A4 paper. Print at 100% scale with no page scaling. Designed to be printed and filled in by hand.
How to Use This Template
- Update on the same date every month. The first Saturday of each month is a common choice. Consistency matters more than precision.
- Use current market value for investments and property, not purchase price. This is your real financial snapshot.
- Fill in both the dollar amount and the month-over-month change in the tracking grid. The trend is more important than the absolute number.
- Do not be discouraged by a negative net worth. Most people start there. The direction of change is what matters.
Frequently Asked Questions
What counts as an asset?
Anything you own that has monetary value: bank accounts, investment accounts, retirement funds, property, vehicles, and other valuables. Use conservative estimates for items like jewellery or collectibles.
Should I include my car as an asset?
Yes, at its current market value. But also include the car loan on the liabilities side. The net effect is what matters.
How is net worth calculated?
Net Worth = Total Assets minus Total Liabilities. If your assets are $250,000 and your liabilities are $180,000, your net worth is $70,000.
Is this template free?
Yes, completely free. No email or sign-up required. Print as many copies as you need.