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Net Worth & Wealth Command Center (FIRE)
Rich is a feeling. Wealth is a number.
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
Overview
Rich is a feeling. Wealth is a number.
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.
The 900-review incumbents are static asset lists; this one computes.
What's Included
Inside the toolkit
- 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
Own minus owe, computed from one monthly row — no logins, no guessing.
Months-to-FI via NPER — the formula banks use for loans, pointed at your freedom — lands on a real month and year.
See exactly how many months sooner an extra $100/month lands it — six months, in the sample file.
$10k → $1M badges with arrival estimates from your real 12-month slope.
Typing the balances is the ritual that makes you look. Looking is the whole game.
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
Or import it into Google Sheets — README steps included
Withdrawal rate, spending, accounts — the engine wires itself
Six balances, ten minutes, once a month — that's the whole ritual
Net worth, slope, FI date, next milestone ETA — computed, not guessed
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.
For personal use only. © 2026 NicheToolkitHub — no resale or redistribution.
