Sometimes the simplest tool is the best tool. 

Here’s a net worth template you can copy right now and update monthly.

ASSETS (What I Own) 

Checking accounts: $______ 
Savings accounts: $______
Investment accounts: $______ 
Retirement accounts (401k, IRA): $______ 
Home value (estimate): $______ 
Car value (estimate): $______ 
Other assets: $______ 
Total Assets: $______

LIABILITIES (What I Owe) 

Mortgage balance: $______ 
Car loan: $______ 
Student loans: $______ 
Credit card balances: $______ 
Personal loans: $______ 
Medical debt: $______ 
Other debts: $______ 
Total Liabilities: $______
NET WORTH: $______ (Assets – Liabilities) 

Change from last month: +/– $______

Update this on the first of every month. Record each month’s number so you can see the trend line over time. 
That 60-second monthly update is all you need to track the most important number in your financial life.
Best for: Anyone who wants to start tracking immediately with zero setup, zero apps, and zero bank linking.