TrackersByHand · Spreadsheet
Net Worth & Savings Tracker
One number, watched monthly: what you own minus what you owe.
$19 one-time payment · yours to keep
Buy the Net Worth & Savings Tracker — $19
Delivered by Payhip as an instant download. Works in Google Sheets and Microsoft Excel.
What it does
List up to 15 accounts — bank accounts, investments, and debts in one place — then take a snapshot each month. The Net Worth & Savings Tracker keeps 24 months of snapshots, draws the line from your first month to your latest, and tracks up to 10 savings goals with the date each one lands at your current pace.
- Up to 15 accounts, assets and debts together
- 24 months of snapshots — your net worth line, month by month
- Up to 10 savings goals, each with a target, an amount saved, and a projected finish date
- Dashboard: first net worth, latest net worth, and the change between them
- Type only in the pale amber cells — every formula cell is locked and protected
The tabs, exactly as shipped
| # | Tab |
|---|---|
| 1 | Start Here |
| 2 | Settings |
| 3 | Accounts |
| 4 | Snapshots |
| 5 | Savings Goals |
| 6 | Dashboard |
6 tabs. The tab names above are read from the shipped file itself.
What is inside your download
- Excel copy (clean, ready for your numbers) and a filled Excel example copy
- Google Sheets copy (clean) and a filled Google Sheets example copy
- QuickStart PDF — one page, the setup in plain words
- Version 1.0 — October 2026, with a changelog on the Start Here tab
Questions
Where are my files?
Right after checkout, your download page lists every file: the Excel copy, the Google Sheets copy, a filled example copy of each, and the one-page QuickStart PDF. The same links are in your checkout email. Download them all and keep the clean copies untouched as your backups.
Sheets or Excel — which do I open?
Whichever you use. Open the file with GoogleSheets in its name in Google Sheets (File → Make a copy, then work in your copy), or open the plain file in Microsoft Excel. Both copies do the same math — they were checked against each other.
What if I type over a formula?
You should not be able to: formula cells are locked and every sheet is protected. Type only in the pale amber cells. If a number ever looks wrong, close the file, go back to your clean copy, and re-enter just the pale cells — that is why the clean copy stays untouched.
Can I use it on my phone?
Yes. Both the Google Sheets app and the Excel app open these files, and the formulas work the same. A bigger screen is easier for the wide tabs, but checking a dashboard number on your phone works fine.