Net Worth Tracker Excel Template for India
A monthly net worth tracker for Excel and Google Sheets, laid out for the things Indian households actually own: EPF, PPF, NPS, gold, property and home loans. It's split by family member and has a built-in trend chart.
Download the template
One .xlsx file. It opens in Microsoft Excel, Google Sheets and LibreOffice, and has no macros and no links to any bank.
Download (.xlsx, 14 KB)What the template does
The template records the value of each asset and loan once a month. From that it calculates total assets, total liabilities, net worth and the change since the previous month. Net worth is what you own minus what you owe, and tracking it monthly shows whether the number is actually moving. A single calculation can't show you that.
The workbook has three sheets:
- Holdings: one row per asset or loan, with an Owner, a Category and a Type (Asset or Liability). Each month gets its own column, from April to March, following the Indian financial year.
- Summary: monthly totals, net worth, change in rupees and change in percent, plus a line chart of net worth over the year.
- How to use: the short version of this page.
Values are shown in the Indian number format (₹12,50,000 rather than ₹1,250,000). The Category column has a drop-down with 20 Indian asset and liability types.
How to track net worth in Excel, step by step
- List every holding once. Use one row per account, fund or loan, and set the Owner column to whoever it belongs to: Self, Spouse, a parent. Pre-filled example rows cover the common Indian categories, so rename or delete as needed.
- Pick a fixed date each month. The 1st works well. Comparing a 3rd-of-the-month value with a 28th-of-the-month value adds noise that isn't real change.
- Enter current value, not purchase price. For mutual funds that's units times today's NAV, for gold today's rate times weight, and for property a realistic sale price, not what you paid.
- Enter loans as positive numbers. The Type column decides whether a row adds to or subtracts from net worth. For a home loan, enter the outstanding principal from the lender's statement, not the total of future EMIs.
- Read the Summary sheet. Net worth and month-on-month change calculate on their own, and the chart fills in as the year progresses.
How to use it in Google Sheets
In Google Sheets, choose File → Import → Upload and select the downloaded file. Formulas, the drop-downs and the chart all carry over. Alternatively, upload the file to Google Drive and open it with Google Sheets. If you share the sheet with a spouse, give edit access only to the people who will actually update it.
Where to find each value in India
| Holding | Where the current value comes from |
|---|---|
| Mutual funds | Consolidated Account Statement (CAS) from CAMS, KFintech or MF Central |
| Stocks | Your broker's holdings page, or the depository CAS from NSDL or CDSL |
| EPF | EPFO member passbook (UAN login) or the UMANG app |
| PPF | Your bank's or post office's PPF passbook or statement |
| NPS | Your Central Recordkeeping Agency (CRA) statement |
| Fixed deposits | Principal plus interest accrued to date, from the bank |
| Gold | Weight times the day's rate. Use the rate for the purity you hold |
| Property | Recent comparable sale prices nearby. Update once or twice a year, not monthly |
| Loans | Outstanding principal from the lender's statement or app |
For a longer walkthrough of gathering these without sharing any bank logins, see how to track all your investments in one place.
What not to put in the spreadsheet
- Insurance cover. A ₹1 crore term plan is protection, not an asset. Only policies with a surrender value count, and only at that value.
- Salary. Income is a flow, not something you own. It shows up in net worth only once it has become savings or investments.
- Future EMIs. Record the principal you owe today. The interest you haven't paid yet isn't a debt yet.
- Things counted twice. A mutual fund held through a broker and listed again from the CAS would be double-counted. Pick one source per holding.
How often should you update it?
Monthly is enough for most households, and it takes about 15 minutes once the rows are set up. Weekly updates mostly capture market noise. Quarterly works too, but makes it harder to tell a real trend from a one-off. Update property and vehicles once or twice a year. Their monthly movements are guesses.
When a spreadsheet stops being enough
Spreadsheets work well for one person. They get harder with a family: several people's holdings, an investment cost basis to keep alongside current value, a history spread across tabs, and nobody quite sure which copy is current. That is the problem Finworthly was built for. It is the same manual, no-bank-login approach as this template, with per-person views, investment gain, and the history kept for you. The spreadsheet stays yours either way, and Finworthly's Settings page exports everything to CSV.
Want just a one-off number?
The net worth calculator works it out in your browser without saving anything. For the method behind it, see how to calculate your net worth in India.