Free Template

Net worth tracker for Google Sheets — free.

A complete net worth tracker in Google Sheets. Total assets, total liabilities, net worth trend over time, debt breakdown, and investment assets — all in one sheet. Download free or connect your accounts for live net worth that updates daily.

Free template (manual)

Update assets and liabilities manually
Monthly snapshots when you remember
Investment values always out of date

Finsemble

All account balances synced automatically
Daily snapshots without any effort
Investment values at current market prices

Your spreadsheet lives in your Google Drive, where you control it.

Download free template

No email required. Just a Google account to copy the sheet.

Or get the live version — connects to your bank automatically:

Free during beta. No credit card required.

Your net worth calculation is only as accurate as your last manual update.

✗ Investment portfolios move daily. A net worth calculation from last month can be off by tens of thousands of dollars. Manual updates are always stale.
✗ Tracking liabilities — mortgage balance, student loans, credit card debt — requires logging into each account separately and copying balances. It is a 30-minute task that most people do quarterly at best.
✗ Most people have a rough idea of their net worth. A rough idea does not tell you whether you are ahead or behind your goals.

Your real net worth. Updated every day. In a sheet you own.

The template includes a Dashboard with total assets, total liabilities, net worth, month-over-month change, debt-to-asset ratio, liquid assets, and investment assets. Connect your accounts and every balance updates automatically.

Finsemble Dashboard showing net worth, total assets, liabilities and financial trends

Finsemble Holdings tab showing investment portfolio as part of net worth calculation

Finsemble Balance History showing net worth trend over time

Investment portfolios can move 1-5% in a single day. A net worth calculation from last month can be off by tens of thousands of dollars. Finsemble pulls current market prices on every sync.

How Finsemble works

Download the free template

Get the net worth tracker in your Google Drive. Add your assets and liabilities manually — bank balances, investment values, loan balances, property values.

Connect your accounts for live balances (optional)

Link your bank, investment, and loan accounts via Plaid. Finsemble syncs all balances automatically — current market prices for investments, current balances for loans.

Your net worth is accurate every morning

Daily sync means your net worth reflects yesterday's closing prices and current account balances. Monthly snapshots are stored automatically in Balance History.

Your data stays yours.

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Read-only access

Finsemble can never move money or modify your accounts. Read-only transaction data only.

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The same bank connection layer used by Venmo, Coinbase, and 8,000+ financial apps.

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Your Drive, your data

Your sheet lives in your Google Drive permanently. Cancel anytime and every row stays yours forever.

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No credentials stored

Your bank login credentials are never stored by Finsemble. Plaid handles authentication only.

Your net worth should reflect today's market — not last month's estimates.

Download the free template and start tracking manually. Connect your accounts when you want your net worth to update itself every day.

11-day full Pro trial No credit card required Your sheet stays in your Drive forever

Frequently asked questions

Is the template really free?

Yes. Download and use it manually forever — no email, no account, no credit card required.

Does it track investment accounts?

The template has an Assets tab where you enter investment account values manually. The live Finsemble version syncs investment balances and holdings automatically via Plaid (Pro plan).

Can I track my mortgage and student loans?

Yes. The template has a Liabilities tab for all debt. The live Finsemble version syncs loan balances automatically from your bank (Pro plan).

Does it show net worth trends over time?

Yes. The template includes a Net Worth History tab with monthly snapshots. The live version updates automatically on every sync.

What does the live version cost?

Plans start at $4/month. Investment and loan tracking requires Pro at $19/month. All paid plans include an 11-day full Pro trial — no credit card required.

Know your real net worth — not last month's estimate.

Download the free net worth tracker or connect your accounts for live balances that update every day automatically.

Free during beta. No credit card required. See pricing →