What you own and what you owe, year by year: checking, savings, 401(k), IRA, home, mortgage, car loan and student loans.
List what you own and, with a minus sign, what you owe. Update it once a year to see your net worth grow.
The file works in Excel, Numbers, Google Sheets and LibreOffice. If you would rather have it done for you, Xpenses reminds you of every bill and works out how much you will have at the end of each month.