Net worth tracker 2027
What you own minus what you owe, checked four times a year.
Net worth is everything you own minus everything you owe. It is the single number that shows whether your money is moving in the right direction, even when progress feels slow month to month.
This tracker has a column for each quarter of 2027. Fill it in four times a year and watch the bottom line change as debts go down and savings go up.
How it works
List what you own (cash, savings, retirement accounts, the value of your car or home) and what you owe (cards, loans, mortgage). Subtract what you owe from what you own. That is your net worth. Do it in January, April, July and October to see the trend.
How to use it
- List your assets: savings, retirement accounts, the value of your car or home.
- List your debts: cards, loans, mortgage.
- Subtract debts from assets each quarter and compare the bottom line.
Ways to use it
- Couples: one tracker for the household.
- Monthly instead of quarterly: print three sheets.
- Leave out the home and car values to see your liquid net worth.
Tips
- A negative net worth is common, especially with student loans. The direction matters more than the number.
- Use the same sources each time, like your bank app and a car value website, so quarters compare fairly.
Questions
How do I calculate my net worth?
Add up everything you own, add up everything you owe, and subtract the second from the first.
Is a negative net worth bad?
It is very common, especially with student loans or a new car loan. The direction it moves matters more than the number.
How often should I track net worth?
Every three months is enough for most people. It changes slowly, and checking too often can be discouraging.
Goes well with
- 2027 money goals worksheet Three money goals for the year, each with a plan and a monthly check-in.
- Debt snowball or avalanche? Decision sheet List your debts in both orders and pick the method that fits you.
More budgets
Biweekly paycheck budget
Which bills come out of which paycheck, on one page.
One-page zero-based budget
Give every dollar a job until income minus plan equals zero.
No-spend January 2027 calendar
Tick off each no-spend day and write your own rules.
Holiday gift budget 2026
Everyone on your list, a cap for each, and what you really spent.
This printable is a general planning tool, not financial advice. Read the full disclaimer.