Net Worth Tracker & Budget Template (Google Sheets)
Do you feel anxious about money—even though you're saving?
You’re not alone.
Many people:
- Track their expenses
- Try to save money
- Stay consistent with budgeting
But still feel unsure about their financial future.
- The problem is not your effort.
- The problem is what you're tracking.
Most people only track income and expenses.
But they don’t track their net worth.
That’s why the anxiety never goes away.
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Free Budget Spreadsheet (Excel & Google Sheets) – Simple Template for Beginners (50,000+ Downloads)
Contents Trusted by 50,000+ Users in JapanDo you have savings… but still feel anxious about money?A Simple and Visual Way to Manage MoneyWorks on Both ...
Why Budgeting Alone Doesn’t Work
A traditional budget shows:
- How much you earn
- How much you spend
But it does NOT show:
- Your total assets
- Your financial progress
- How long your money will last
So even if you’re doing everything right…
You still feel uncertain.
What Is a Net Worth Tracker?
A net worth tracker helps you see your full financial picture.
It includes:
- Cash
- Savings
- Investments
- Debts
Net Worth = Assets − Liabilities
When you track this regularly, you can finally answer:
“Am I actually getting richer?”
Why This Template Is Different
This is not just a free spreadsheet.
This is a complete financial visibility system designed to help you:
- Track both expenses and assets
- Understand your financial future
- Reduce money anxiety
Built for simplicity, but powerful enough for real financial planning.
Created by a budgeting expert with over 100,000 downloads.
Template Features
This template works as a personal finance spreadsheet and monthly budget planner in Google Sheets.
1. Easy Input Sheet
- Record income & expenses
- Track assets in one place
No complicated setup
2. Monthly Dashboard
- Analyze spending
- Visual graphs & summaries
Instantly understand your habits.
3. Net Worth Tracking
- Track your assets over time
- Identify financial growth
This is what most templates miss.
4. Works on Google Sheets
- No installation needed
- Accessible on any device
- Easy to copy and start
Perfect for beginners
Pricing & Free Option
This template is available as a premium version with full features.
Designed for people who want a complete financial system.
However, if you prefer to start simple:
A free version is also available.
You can choose based on your needs:
- Start free
- Upgrade when you’re ready
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How to use the Template
Getting started is easy. You only need a few minutes.
Step 1: Make a Copy
Open the template and create your own copy in Google Sheets.
This allows you to edit and use it freely.
Step 2: Add Your Assets
Enter your current financial assets:
- Cash
- Savings
- Investments
This is the key to understanding your net worth.
For deposits and withdrawals, select Deposits, and for accounts, select Accounts from the tabs. (Accounts reflect the contents of the input sheet.)
Debt account amounts should be shown as a negative number.
For the asset value of owner-occupied homes and cars, please enter the current valuation.
Transfer funds
- Transfer funds to electronic money, etc.
- Transfer funds for savings
- Make a credit card payment
- Make a car or house loan payment
The funds transfer item is used primarily in these situations.
The information entered in the funds item is not included in consumption as funds are transferred between accounts.
To transfer money from an account to electronic funds, etc.
Select the date, select "Deposit" for the Deposit and Withdrawal items, enter the amount in the Asset Amount, and select "E-money" for the account.
On the same date, select "Withdrawal", enter the same amount, and for the account name, select the account to be transferred to e-money.
When transferring funds for savings
For example, if you want to transfer funds from "Bank1" to "Bank2, select "Expenses" and "Savings", then select "Bank1" for the account.
On the same day, select "Deposit", enter the same amount entered in Savings, and select "Bank2" for the account.
Since the savings amount is deducted from Bank2 in the Savings section, enter only the Deposit section in the Funds Transfer.
To make a credit card payment
On the date of the credit card payment, transfer funds from the account from which the payment was made to the credit card account.
Repay a home or car loan.
Enter the amount to be repaid in the Fixed Cost House Expenses field and select the source of the account.
Select the funds transfer deposit, enter the same amount, and select "house Loan".
Step 3: Enter Your Income & Expenses
Input your daily transactions in the sheet.
- Income
- Expenses
- Categories
Keep it simple—consistency matters more than perfection.
Step 4: Check Your Dashboard
Review your monthly summary and charts.
See where your money goes and how your assets grow.
Download Options
Take Control of Your Money Today
You don’t need more information.
You need clarity.
This template helps you:
- See your full financial picture
- Understand how long your money will last
- Make confident decisions
Start now with the template:
Get the Full Version
Access the complete template with all features:
This Kakeibo sales are paid by credit card or PayPal.
Payment is made through STORES.
Price:2500JPY
Try the Free Version
Start with the basic version here:
Who This Template Is For
This template is perfect if you:
- Feel anxious about money
- Don’t know your total assets
- Want to track net worth easily
- Need a simple and clear system
What Will Change After Using This
Before:
“I think I’m doing okay… maybe?”
After:
“I know exactly where I stand.”
You’ll be able to:
- See your financial future clearly
- Make confident decisions
- Reduce money anxiety
Clarity replaces fear.
Real User Reviews
Here’s what users are saying about this template:
やっと見つけた理想的な家計簿
自分に合った家計簿を探していてたどり着きました。
“I finally found the perfect budget template that fits my needs.”
このような使い勝手の良い家計管理データを探していたので重宝しています。
“I’ve been looking for something this easy to use. It’s incredibly helpful.”
YouTube見ながら入力していますが、とても使いやすくて感動しています！
“It’s very easy to use—even as a beginner.”
声が出ない程、全てが美しく、感動しました。
“The design is beautiful and very satisfying to use.”
分かりやすく分析を見るのが楽しみです。
“The analysis is clear and actually enjoyable to review.”
クレカの締日準拠の家計簿を探していたので、便利で助かっています。
“It perfectly matches my needs and makes tracking easier.”
素敵な家計簿に出会えて良かったです。
“I’m really glad I found this template.”
まだ使い始めて間もないですが、理想の家計簿だと思います。
“Even as a new user, I can tell this is a great template.”
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