Free Budget Worksheets: Household Net Worth Spreadsheet

The free Household Net Worth Spreadsheet is part of a financial planning series called How to Make a Budget. To start this series from the beginning, read the introduction.

I’ve put together a bunch of free budget worksheets for this series, starting with the household net worth spreadsheet. Periodically calculating your net worth — the value of your assets minus your liabilities — is one of the best ways to track your financial well-being (I think). Knowing your individual or household net worth can also help you to reach your financial goals sooner.

If you want all the juicy net worth calculation details on what to include, then check out Financial Planning: How to Find Your Net Worth.

How to Make a Budget:
  1. Your Net Worth
  2. Net Worth Spreadsheet
  3. Financial Goals Worksheets
  4. Needs and Wants List
  5. Free Budget Spreadsheet
  6. Free Budget Software
  7. Track Extra Income
  8. Gift Giving Worksheet
  9. Holiday Expense Tracking
  10. Windfall Planner
  11. Debt Reduction
  12. Student Budget
  13. Medical Expenses
  14. Emergency Fund
  15. More to come!
  16. Subscribe to not miss it!

Anybudgetingbusiness, let’s get to the budgeting tools. After asking the friendly folks on the Squawkfox Facebook Page about their successful budgeting secrets, I decided to create two excel spreadsheets — an American version and a Canadian version. Since Americans don’t care so much about RRSPs and Canucks don’t have Roth IRAs, it just makes sense to have specific net worth spreadsheets for everyone.

So go grab a binder, make a workbook, and print out the worksheet that works for your country. Keeping a record and tracking your budget in a three ring binder keeps your paperwork in one place.

Household Net Worth Spreadsheet (American)

Americans can use this net worth excel spreadsheet for either individual or household use.

free budget spreadsheets net worth calculator usa
Download: Household Net Worth Spreadsheet (American)

Here are a few different ways to use this simple excel spreadsheet:

  • Add up your 401k, Roth IRAs, Traditional IRAs, CDs, and US pension plans
  • Use as a net worth calculator
  • Print it out to use as a worksheet
  • Tally your household net worth OR find your individual net worth
  • Track your liabilities
  • Find your assets
  • Establish a baseline for reaching your goals.

Household Net Worth Spreadsheet (Canadian)

Canadians can use this net worth spreadsheet for either individual or household use.

free budget spreadsheets net worth calculator can
Download: Household Net Worth Spreadsheet (Canadian)

Here are a few different ways to use this simple excel spreadsheet:

  • Add up your RRSPs, TFSAs, GICs, and RESPs.
  • Use as a net worth calculator
  • Print it out to use as a worksheet
  • Tally your household net worth OR find your individual net worth
  • Track your liabilities
  • Find your assets
  • Establish a baseline for reaching your goals.

Your Two Cents: When was the last time you calculated your net worth?

Your two cents:

  1. hibby March 10th, 2010

    These are great; thanks!
    It seems on both the canadian and american spreadsheets, it said “applicances” in the last portion. Is that something that I’ve never hear of (possible, in this whole new and strange world of finance) or is it supposed to read “appliances”?

    Thank you again for all the work you put into this!

  2. Kerry March 10th, 2010

    Hibby: Thanks for finding this error! I’ve fixed both downloads to read “Appliances”. No fear, no new financial terms to learn here. :)

  3. Evan March 13th, 2010

    I try to calculate my net worth quarterly, these spreadsheet will help me a lot when I crunch the numbers again at the end of March, Thanks!

  4. Val April 16th, 2010

    Ack!!! I just calculated that my net worth is NEGATIVE $141,000!! *sigh* That’s what I get for dating a divorced guy with financial baggage :P
    We’re working on it, though!

  5. lynn June 28th, 2010

    Why is the link for downloading a copy of the Canadian Net Worth Spreadsheet not working? I’ve tried it a few times now, but the message i’m getting is “not a supported file type or file has been damaged”.
    I would like a copy of this spreadsheet, however.
    Can someone help?

  6. Kerry June 28th, 2010

    Hi Lynn,

    I just tested all the links for the Canadian spreadsheet and everything works. I think your browser doesn’t know what to do with an .xls file. So here’s the fix:

    Right click the link Household Net Worth Spreadsheet (Canadian), and select Save As to save the file to your computer. Then open it directly from your hard drive using Excel.

  7. David July 7th, 2010

    Thanks for the spreadsheet. Calculating my (negative) net worth was comforting.

    Based on the previous post, “Your Net Worth”, the entire “Personal Property” section of the spreadsheet might give people the wrong idea: namely the people that didn’t read the “Your Net Worth” post, but still, maybe better to do away with the section altogether.

    “But darling, this new speedboat is an _asset_ according to Kerry!”

    I suppose some people make real money wheeling and dealing (my father-in-law), but I’d be surprised to learn that’s true of many.

  8. Lisa July 30th, 2011

    I love that you have both an american one and a canadian one! :)

  9. Steve White October 17th, 2011

    Thanks for the freebie! Mine is showing spread over two pages however…

  10. Lynn September 2nd, 2012

    thank you for the Canadian spread sheet. I love it!.. will be basing your link around!!

  11. Mark September 8th, 2013

    Thanks for the free sheet, still useful even though I am from the UK!

  12. Joslyn Kuning September 23rd, 2013

    Actually this is very helpful idea. After I integrated spreadsheets into my life my savings jumped up (literally) even. It is very important to track the flow of the money and expenditures.

  13. Michael November 25th, 2013

    Thank you for such a nice Canadian template!

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