For FIRE, investing, and long-term planning
A net worth spreadsheet that updates with live financial data
Track assets, liabilities, balances, savings rate, cash flow, and net worth over time with a personal net worth spreadsheet you can customize and use for free.
AI Spreadsheet
Net Worth Tracker Spreadsheet
Refresh asset and liability balances, calculate savings rate, chart net worth by month, and flag changes that need review.
Net worth
$486K
Savings rate
37%
YoY change
+18.4%
| A | B | C | D | E | |
|---|---|---|---|---|---|
| 1 | Month | Assets | Liabilities | Net Worth | Savings Rate |
| 2 | Jan | $604,200 | $142,800 | $461,400 | 34% |
| 3 | Feb | $612,900 | $140,100 | $472,800 | 36% |
| 4 | Mar | $619,400 | $138,600 | $480,800 | 38% |
| 5 | Apr | $625,700 | $139,200 | $486,500 | 37% |
| 6 | May | $633,800 | $137,900 | $495,900 | 40% |
Give your monthly net worth review a real system
The old way
Copy balances from banks, brokerages, loans, and retirement accounts, then update charts and explain changes by hand.
With Quadratic
Quadratic brings balances, formulas, AI summaries, and charts into one spreadsheet so every monthly review starts from a repeatable source of truth.
Without Quadratic
Manual work every month
- Open every account
- Copy balances
- Update debt totals
- Calculate savings rate
- Refresh charts
- Write notes manually
With Quadratic
Reusable analysis in one sheet
- 1
Connect accounts and balances
Assets, debts, cash, investments
- 2
Calculate your metrics
Net worth, savings rate, FI progress
- 3
Ask AI what changed
Drivers, outliers, trends
- 4
Review the dashboard
Same model, fresh data
Net worth workflows
Built for FIRE-minded spreadsheet users
Track the numbers that matter with a simple net worth spreadsheet that scales as your financial model grows.
Track assets and liabilities together
Combine checking, savings, brokerage, retirement, mortgage, student loan, credit card, and other balance data in one net worth spreadsheet.
Measure savings rate and cash flow
Calculate income, spending, transfers, and savings rate over time so you can see whether your FIRE plan is getting stronger.
Chart net worth by month
Create reusable charts for assets, liabilities, debts, investments, and net worth trajectory without exporting to a separate dashboard tool.
Explain what changed
Ask AI to summarize the drivers behind a monthly change, like market movement, debt payoff, spending spikes, or one-time income.
Use formulas for your own model
Keep the spreadsheet flexibility investors love. Build FI number, withdrawal rate, allocation, debt payoff, and milestone formulas your way.
Refresh the same dashboard
Reuse one source of truth for monthly reviews, household planning, investment check-ins, and long-term financial independence tracking.
Track your net worth, savings rate, and cash flow in one AI spreadsheet.
How to make a net worth spreadsheet
Build a spreadsheet-native workflow for monthly reviews, investment check-ins, and FIRE planning.
Pull balances into one place
Connect or upload account data for cash, brokerages, retirement, loans, mortgages, and credit cards.
Calculate the metrics you care about
Use formulas for savings rate, FI number, runway, withdrawal rate, debt ratio, and monthly cash flow.
| Metric | Current | Target | Status |
|---|---|---|---|
| Net worth | $486K | $1.25M | 39% |
| Savings rate | 37% | 35% | On track |
| Cash runway | 8.4 mo | 6 mo | On track |
| Debt ratio | 22% | <20% | Watch |
Chart the trend and explain changes
Create charts for assets, liabilities, net worth, and savings rate, then ask AI to explain what moved.
Spreadsheet formulas for FIRE planning
Keep your model transparent while using AI and Python for the parts that are tedious to build manually.
Savings rate
Calculate the share of income that moves to saving and investing.
=(Income-Spending)/IncomeFI progress
Compare current invested assets against your target number.
=Invested_Assets/(Annual_Spending*25)Monthly change drivers
Break net worth movement into asset growth, debt payoff, and cash flow.
drivers = balances.diff()
summary = drivers.groupby("account_type").sum()
summary.sort_values("amount")Quadratic vs a traditional net worth spreadsheet
A normal spreadsheet is flexible but manual. Quadratic keeps the flexibility and adds connected data, AI, and code when you need it.
| Capability | Quadratic | Manual spreadsheet | Personal finance app |
|---|---|---|---|
| Best for | Custom net worth analysis in a connected spreadsheet | Manual tracking and one-off models | Preset dashboards and app workflows |
| Data access | Live connections plus CSV and Excel uploads | Manual copy-paste or exports | Connected accounts inside fixed views |
| Customization | Formulas, AI, Python, charts, custom dashboards | Formulas and charts only | Limited to app features |
| AI analysis | Ask what changed and generate supporting analysis | Not available | Usually limited or opaque |
| FIRE modeling | Build your own assumptions and formulas | Possible but manual to update | Usually not flexible enough |
Net worth spreadsheet templates you can build
Start simple, then add the metrics and dashboards your planning process needs.
- Monthly net worth tracker
- Assets and liabilities dashboard
- Savings rate tracker
- Financial independence progress chart
- Cash flow and expense run rate model
- Debt payoff and mortgage tracker
- Asset allocation dashboard
- Investment balance history
Create your own with our Net Worth Calculator
Spreadsheet control for serious financial planning
Quadratic is built for people who want to see the logic behind their analysis. Keep assumptions, formulas, data, AI summaries, and charts together in one inspectable workbook.
Secure data connections
SOC 2 and HIPAA compliant
Browser-based sharing
Net worth spreadsheet FAQ
What should a net worth spreadsheet include?+
A useful net worth spreadsheet tracks assets, liabilities, account balances, cash flow, savings rate, investment allocation, and net worth over time. Quadratic lets you connect data, calculate metrics with formulas, and use AI to explain changes.
Can I track FIRE progress in Quadratic?+
Yes. You can build formulas for FI number, savings rate, withdrawal rate, expense run rate, investment growth, coast FI, debt payoff, and other FIRE metrics. This makes Quadratic a flexible net worth tracking spreadsheet for long-term financial independence planning.
Can I connect brokerage and loan data?+
Quadratic supports finance connections and file imports for accounts like brokerages, banks, credit cards, and loans. You can combine live balances with uploaded statements or CSVs in the same spreadsheet.
Can AI explain changes in net worth?+
Yes. Ask AI to summarize what changed month over month, identify drivers like market moves or debt payments, and generate charts or formulas to support the analysis.
Can I customize the dashboard?+
Yes. Quadratic is still a spreadsheet, so you can use your own categories, formulas, charts, Python analysis, assumptions, and dashboard layout.
Track your financial progress in a spreadsheet that grows with you
Connect balances, calculate the metrics that matter, and keep a net worth dashboard you can reuse for years.
