A net worth spreadsheet is one of the simplest ways to see where your money stands. Picking the right one is harder than it sounds, because there are hundreds of templates online. Klarmo’s guide, “The 100 Best Net Worth Tracking Spreadsheets,” reviews 100 free Excel and Google Sheets templates and groups them by how far they take you. This article covers how to use that resource to find a template that fits your life.
Start With Your Complexity Level
Klarmo sorts its collection into four levels, which makes the first filter easy.
- Basic (36 templates): Single snapshot worksheets that list assets and liabilities and calculate the difference. They suit beginners or anyone who wants a quick check.
- Intermediate (44 templates): Monthly or dated history, charts and category groupings. This is the largest group and works for most households.
- Advanced (15 templates): Asset allocation, rebalancing amounts, projections and financial independence scoreboards.
- Power user (5 templates): Live share prices, savings rate, tax treatment and years until financial independence.
If you have never measured your net worth, begin at Basic. If you already log balances every month, an Intermediate or Advanced template will save you time.
Pick the Right File Type
The library includes 78 Excel templates and 49 Google Sheets templates, and some are available in both formats. Excel works well if you prefer working offline and like locked formulas. Google Sheets suits anyone who wants to update balances from a phone or share the file with a partner. Klarmo lets you filter by file type, so you only see what you can use.
Check for Features That Matter to You
Most templates only record balances, but a few go further. The guide lets you filter for these capabilities:
- Expected cash flow or return: Only 7 templates estimate future income or growth from your assets.
- Live prices: Just 5 templates pull in current market prices for stocks, funds or crypto.
- Transactions included: Only 3 templates log individual transactions alongside net worth.
These numbers show that most spreadsheets are simple snapshots. If you hold shares or crypto and want automatic price updates, your shortlist gets very short, very quickly.
Look for a Local Fit
The collection covers templates built for specific countries and audiences. You will find versions for India, Australia, Singapore, Malaysia, Germany, France, Finland, Poland, Italy and Brazil. There are also farm household worksheets from university extension services. A template that understands your local retirement accounts, such as CPF in Singapore or super in Australia, will feel much more natural than a generic one.
Read the Licence and Sign Up Details
Free does not always mean unrestricted. The guide notes licence terms and whether an email address is needed before you can download. Some templates are for private use only and cannot be shared or resold. Others use Creative Commons or open source licences. Klarmo links directly to each author’s own page, so you always download from the original creator.
Try Klarmo’s Own Template
Alongside the other 99 templates, Klarmo includes its own free Excel file. It records assets by type and subtype, along with valuation, liquidity and currency risk, debt and unrealized tax. It also holds expected net return and cash flow per asset, plus income and expenses. Because it uses the same layout Klarmo imports, you can start in a spreadsheet and later move to a dedicated tool without retyping your data.
Tips for Getting Started
- Pick one template and commit to it. Switching too often breaks your history.
- Set a regular update date. Monthly or quarterly works for most people.
- Include every asset and debt. Cars, property and loans change the picture more than people expect.
- Review trends, not single numbers. A rising line over several months matters more than one total.
If you want a proven starting point to track wealth with a spreadsheet you actually enjoy using, Klarmo’s curated guide removes the guesswork. Filter by complexity, file type and features, download a template, and enter your first balances today. Regular tracking gives you a clear view of your finances and a solid base for better money decisions.
