Original price was: $19.99.$11.99Current price is: $11.99.
Splits net worth change into what you saved and what the market gave you, with real inflation-adjusted returns, liquid net worth and an equity shock model by asset class.
Instant digital delivery. One purchase, one file, no subscription. Full refund within 14 days if it does not do what this page says it does.
Almost every net worth tracker draws the same line going up and leaves you to guess what caused it. In a good year the market flatters you. In a bad one it buries a year of hard saving and makes it look like you achieved nothing.
This one splits the difference apart.
Growth is measured against your opening balance, so one period can be compared to another honestly.
Real CAGR here is (1 + nominal) divided by (1 + inflation), minus 1.
It is not nominal minus inflation. That shortcut is wrong, it is what most templates use, and it overstates your return every single year.
Your net worth is also shown in today’s money, deflated by the inflation rate you set, so a decade of figures actually means something.
Cash and investments only.
Your house is not an emergency fund. Neither is your pension. A tracker that counts them as spendable is telling you a comfortable story. Secured debt is handled separately so the number reflects what you could actually reach.
Each with a plain assessment, not just a number.
An equity decline is applied by class, not to everything equally. Equities and retirement move fully, business at 0.8, property at 0.5, cash not at all. Liabilities do not move, which is exactly why a crash hurts.
You see assets after, net worth after, the change, and what it does to your debt ratio.
Set a target and an expected real return, and the workbook tells you the annual saving required and the year you arrive. It uses the real return, so the target means the same thing when you get there as it does today.
One purchase, one spreadsheet in your own Drive. No subscription, no account to keep, no monthly fee.
Copy the file, reload it once, run a single menu command. Nothing to configure and no setup wizard.
Every figure that changes your plan shows how it got there, in the sheet, before anything is rewritten.
The script reads and edits that one spreadsheet. No email, no other Drive files, and nothing is collected by us.
Google Sheets only. Excel cannot run the automation. Menu commands need a desktop browser, and day to day use works on mobile.
Immediately, as a link to the workbook and a setup manual. You copy the file into your own Google Drive and it is yours from that point.
No. The automation is Google Apps Script, which only runs inside Google Sheets. Opening the file in Excel gives you a spreadsheet with no menu and formulas that will not resolve.
Reload the file first, because the menu only appears after the first reload. If that does not fix it, support goes to a person and you get a reply rather than a ticket number.
Within 14 days, if the workbook will not build or does not do what this page says it does. The one exclusion is buying it for Excel, which is stated here, in the terms, and on How it works.
