Design a Net Worth Tracker Spreadsheet
3. Calculators & Personal Finance Tools
⏱ 25 minutes min
📊 Intermediate
Objective
Build a simple spreadsheet that tracks assets minus liabilities over time.
Materials Needed
- AI chat tool
- Google Sheets or Excel
- Rough list of assets (savings, home, car) and liabilities (loans, credit cards)
Step-by-Step Instructions
-
1
Prompt: 'Build a net worth tracker spreadsheet with columns for Assets, Liabilities, and a formula that calculates Net Worth automatically.'
-
2
Ask the AI to add a second tab or section to track net worth month over month.
-
3
Copy the layout into Google Sheets and enter example numbers.
-
4
Confirm the formula updates correctly when you change a number.
-
5
Ask the AI to explain, in one paragraph, why tracking net worth matters more than tracking income alone.
Instructor TipKeep this tutorial numbers-neutral in a group setting — students can use placeholder figures rather than real personal finances.
TakeawayA simple, self-updating net worth tracker gives a clearer long-term financial picture than any single account balance.
Tools Used
- ChatGPT
- Claude.ai