NorthStar Net Worth – Google Sheets

Most people have a rough sense of what they own and what they owe. A rough sense isn't enough. NorthStar Net Worth gives you the exact number — every account, every asset, every liability — in one clean Google Sheets dashboard that you update once a month and own forever.

No app. No account linking. No third party holding your financial data. Just your numbers, clearly organized, updated on your schedule.

How It Works

Enter your accounts and assets — checking, savings, brokerage, 401k, Roth IRA, real estate equity, crypto, vehicles, and any other assets with a dollar value. Enter your liabilities — mortgage balance, car loan, credit card balances, student loans. NorthStar calculates your total net worth instantly and tracks it month over month as you update it.

The asset allocation chart shows how your wealth is distributed across categories. The net worth growth chart shows your trajectory over time. The FIRE tracker shows how close you are to your financial independence number.

1. Enter all assets — cash, investments, real estate, and other
2. Enter all liabilities — mortgage, loans, credit cards
3. Review your net worth, asset allocation, and FIRE progress
4. Update monthly and watch your wealth story unfold

Who It's For

NorthStar Net Worth is built for anyone who wants a complete, accurate picture of their financial life without connecting accounts to a third-party app. It's the right fit if you:

• Want to track net worth across all accounts and asset types in one place
• Have non-standard assets — real estate, a small business, physical assets — that apps handle poorly
• Are working toward financial independence and want to track your FIRE number progress
• Are privacy-conscious about connecting financial accounts to third-party services
• Want a one-time tool you own forever, not a subscription dashboard

If you want automatic account syncing and don't mind connecting your accounts to a third-party service, tools like Empower (formerly Personal Capital) handle that well. NorthStar is for people who prefer to own their data.

What's Included

• Net Worth Dashboard — total net worth, liquid assets, investments, real estate, and total debt at a glance
• Asset & Liability Tracker — all accounts and assets organized by category with monthly balance entry
• Asset Allocation Chart — visual donut chart showing your breakdown across investments, real estate, cash, and other
• Net Worth Growth Chart — month-over-month net worth trend with year-over-year growth indicator
• FIRE Progress Tracker — your current net worth vs. your FIRE number with a visual progress bar
• Goals Dashboard — set financial milestones and track progress toward each one

Instant digital download. After purchase, you'll receive a link to copy the Google Sheet directly to your Google Drive. No software to install, works on any device.

Frequently Asked Questions

Can I track real estate and non-standard assets?
Yes — any asset with a dollar value works. Real estate equity, business ownership, vehicles, collectibles — if it has a value, enter it.

How often should I update it?
Once a month. Takes 10-15 minutes. The manual update is also a useful financial check-in that keeps you connected to your numbers.

How does the FIRE tracker work?
Enter your FIRE number (annual expenses x 25). NorthStar shows your current net worth as a percentage of that target and tracks progress month over month.

Is this better than Personal Capital?
Depends on priorities. NorthStar wins on privacy, flexibility, data ownership, and cost. Personal Capital wins on automation. Many people use both.

Is this a subscription?
One-time purchase. Copy it to your Google Drive and own it forever. No fees, no account, no renewal.