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Net worth tracker spreadsheet with FIRE calculator for Excel and Google Sheets on laptop, tablet and phone — wealth dashboard, monthly snapshot ledger, milestones and computed financial independence date. Instant download.

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Before and after: four banking apps with expired sessions versus the wealth dashboard showing $87,432 net worth computed from one snapshot row a month, FI landing Sep 2042.

Phone on a desk showing the net worth dashboard beside a snapshot-day ritual card: read six balances, type one row, close the file — ten minutes, once a month.

Ten connected tabs in one net worth spreadsheet: wealth dashboard, accounts by class, monthly snapshot, net worth trend chart, FIRE calculator, milestone badges, goals and a debt ladder with computed payoff months.

FIRE calculator tab computing the financial independence date — Sep 2042 after 194 months of compounding — from four inputs, with the $100-a-month lever shown moving it six months closer.

Monthly snapshot ledger with fourteen filled rows — this month +$2,114, thirteen of thirteen months up, 12-month slope +$2,026 — net worth and change computed automatically.

Milestone wall from $10k to $1M with four badges earned and six figures next — $12,568 away, about seven months at the current slope, arriving Feb 2027.

Close-up of the next milestone: $100,000 by February — $12,568 away divided by a real +$2,026 monthly slope. Badges never un-earn.

Included in the download: 10-tab wealth engine, built-in FIRE calculator with coast, lean and fat targets, a 24-month snapshot ledger, one file for Excel and Google Sheets.

Net worth tracker vs typical template: FI date computed with NPER, 12-month slope with milestone ETAs, debt ladder payoff months — 372 formulas, 30/30 independent math checks.

Spreadsheet System

Net Worth & Wealth Command Center (FIRE)

Rich is a feeling. Wealth is a number.

5.0shop rating · 6 Etsy reviews

$18.97

One-time purchase · Instant download · Secure checkout by Stripe · Use code NICHE22 for 22% off

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Rich is a feeling. Wealth is a number. You know your salary to the dollar — but ask what you're worth and it's five app logins and a guess. This file replaces the guess with a ritual: the first Saturday of each month, type six balances into one row. Ten minutes. The sheet does everything else — your net worth, your monthly change, your 12-month slope, and the date the math says financial independence lands.

One snapshot row a month → net worth, monthly change and your 12-month slope
FIRE date computed with NPER — plus Coast, Lean and Fat FI targets
The $100 lever: see exactly how many months an extra $100/month buys back
Milestone wall $10k → $1M with ETAs from your real slope
Debt Ladder: highest rate first, payoff months computed

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Overview

Rich is a feeling. Wealth is a number.

The 900-review incumbents are static asset lists; this one computes.

What's Included

Inside the toolkit

Wealth Dashboard — your number, your slope, your date

Accounts — own & owe by class, with a “counts to FI?” flag

Monthly Snapshot — the engine: 24 months, one row each

Net Worth Trend — the climb, drawn for you

FIRE Calculator — months-to-FI via NPER → a real FI date, with Coast / Lean / Fat targets

Milestones — $10k → $1M, auto-earned with slope ETAs

Goals — a target and a date → required $/month vs your real slope

Debt Ladder — highest rate first, payoff months computed

Settings & Glossary — every term in plain English

Start Here — 2 minutes and you're running

You will receive

Net-Worth-Wealth-Command-Center-NicheToolkits.xlsx — the 10-tab engine (Excel + Google Sheets)
README.txt with Google Sheets import steps + LICENSE.txt
Delivered as one ZIP — instant download

Key Benefits

Why this one

Your number, finally

Own minus owe, computed from one monthly row — no logins, no guessing.

A date, not a dream

Months-to-FI via NPER — the formula banks use for loans, pointed at your freedom — lands on a real month and year.

The $100 lever

See exactly how many months sooner an extra $100/month lands it — six months, in the sample file.

Milestones that earn themselves

$10k → $1M badges with arrival estimates from your real 12-month slope.

No bank logins — on purpose

Typing the balances is the ritual that makes you look. Looking is the whole game.

Honest engineering

372 formulas · recalculated clean · 30/30 independent math checks. Every image is the real file.

Who It's For

Built for

FIRE-curious savers who want a date, not a vibe
Anyone whose net worth lives across five apps and a guess
Debt payers who want the ladder mathematically ordered
Chart people who want to watch the line climb

How It Works

Up and running in minutes

Open the spreadsheet in Excel

Or import it into Google Sheets — README steps included

Start Here: about 2 minutes

Withdrawal rate, spending, accounts — the engine wires itself

First Saturday: type one row

Six balances, ten minutes, once a month — that's the whole ritual

Read the dashboard

Net worth, slope, FI date, next milestone ETA — computed, not guessed

Pull the levers

Try +$100/month, reorder the Debt Ladder, set a goal — the math answers instantly

Why It's Different

Not another template

The 900-review incumbents are static asset lists. This one computes: your FI date via NPER, slope-based milestone ETAs, Coast, Lean and Fat targets, and a debt ladder with payoff months — a compass built from your real numbers. (Projections use steady returns: a compass, not a contract — and the file says so.)

Delivery & Compatibility

Instant, and works with what you use

As soon as your order is complete you get instant access to download your files. Prefer Google Sheets for real-time updates and dropdowns? It's fully optimized. More comfortable in Excel? It works just as well.

Built and tested in the latest Excel (Office 365). On Mac we recommend the Google Sheets version — the template is not compatible with Apple Numbers. Available in English. The template ships with sample data so every screen works on open; clear it whenever you're ready. The images and video show that sample data to demonstrate how it looks in use.

FAQ

Questions, answered

Does it work in Google Sheets?

Yes — Excel and Google Sheets both. Upload the .xlsx to Drive, open with Google Sheets, and everything works; the README has the exact steps.

Does it connect to my bank?

No — on purpose. You type six balances once a month. That ritual is what makes you actually look at your money, and looking is the whole game.

Is the FIRE math a guarantee?

No — projections assume steady returns, and the file says so plainly. It's a compass, not a contract; the NPER math shows what your current slope and rate imply.

What do I actually type each month?

One snapshot row: your account balances (own and owe, by class). Everything else — net worth, change, slope, ETAs — computes.

Is anything pre-loaded?

Sample data (“Jordan”, 14 months of history) ships inside so every chart works on open — clear it when you're ready.

Can I get a refund on a digital download?

Because delivery is instant, all sales are final — but message us with any issue and we'll make it right.

What our buyers say

Reviews of our other toolkits, from verified Etsy purchases, shown word for word.

5.0shop rating · 6 reviews

MOct 10, 2026

I'm an estate manager and this household binder is everything I need to keep several estates organized!!! Thank you for the detailed work!!

Verified Etsy purchaseReviewed: Home Maintenance Binder + Tracker

SergiSep 16, 2026

This spreadsheet is the best Excel file I have used for writing a novel. I know, because I have already bought several others. Everything I need to write a novel is in one file. I can easily keep scenes, characters, and word count under control without jumping between notebooks. I log a session, and the sheet calculates the pace, the deadline, and whether I am ahead or behind. It is a tool that watches the progress. For me it is the best novel spreadsheet, and it stays for the next book.

Verified Etsy purchaseReviewed: Novel and Author Planner

MorganSep 2, 2026

I bought this to be able to keep track of my fitness and macros and it does just that. Setup is easy and I like being able to see the dashboard. In terms of customer service they went above and beyond. Initially the wrong file was sent to me and the creator responded quickly and was able to help me get everything downloaded and started.

Verified Etsy purchaseReviewed: Fitness & Workout Planner

Read all 6 reviews →