Net Worth + Savings Goals Tracker — Excel/Google Sheets (Monthly Net Worth, Savings Goals, 52-Week Challenge, Subscription Tracker, Emergency Fund, 40 AI Prompts)

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Description

Know what you are worth this month, and whether your savings goals are on track. This Net Worth + Savings Goals Tracker puts your accounts, goals, savings challenge and subscriptions in one workbook: type your balances once a month and it shows your net worth, the change since last month, how many months of emergency fund you hold, which goals are On track or Behind, and what your subscriptions really cost per year. It works in Microsoft Excel (2016 / 2019 / 2021 / 365), Google Sheets and LibreOffice: type into the yellow cells and the formulas do the rest. Inside the workbook (8 tabs): • Settings: plan name, first month, monthly essential expenses, emergency fund target in months, weekly challenge amount, renewal warning window, and your own account types (asset or liability, liquid cash or not), billing cycles and subscription categories. • Accounts: up to 30 accounts with 24 monthly balance columns. Debts are entered as positive amounts and the account type decides whether it counts as an asset or a liability. • Net Worth: total assets, total liabilities, net worth, change vs previous month, change %, and liquid cash for every month, with a net worth chart. • Savings Goals: up to 12 goals with target, saved so far, target date and planned monthly amount. You get remaining, % complete, months left, needed per month, projected finish date and a status: Done, On track, Behind, Overdue, No date or Set target. • 52-Week Challenge: week-by-week amounts based on your own weekly step, tick Yes when you save, see saved so far and what is left. • Subscriptions: up to 40 plans with cost, billing cycle (weekly, monthly, quarterly, every 6 months, yearly), renewal date, active or paused, and a Keep / Review / Cancel decision. See monthly and yearly cost, days until renewal, a Renews soon flag, and how much the Cancel and Review lists would save per year. • Dashboard: net worth, change vs last month, assets, liabilities, liquid cash, emergency fund months and status, goals progress, subscription totals by category, the next 6 renewals, data checks and 2 charts. • Start Here: a 2-minute guide. You also get 3 step-by-step AI workflows for ChatGPT, Claude, Gemini or any AI assistant: a monthly net worth review, a savings goal planner and a subscription audit. There are also 40 copy-paste prompts for setting up your accounts, monthly reviews, emergency fund, goals, the 52-week challenge and cutting subscriptions. A full example is filled in so you can see how everything works: a fictional household with 10 accounts over 15 months, 6 savings goals, 11 weeks of the challenge done and 16 subscriptions. Delete the example cells and type your own. Instant download: one .xlsx file plus Markdown guides that open anywhere. Google Sheets users: File > Import > Upload. No macros, no add-ons, no bank login: your numbers stay in your own file. Every formula was checked in LibreOffice with 0 errors and matched an independent recompute (over 7,000 checks) across 7 test scenarios, including empty sheets, typo rows, text instead of numbers, unknown account types, missing dates and an as-of date left blank. Honest note: this is a planning tool, not financial, tax or investment advice. Home, car and crypto values are your own estimates.