1. Gather your current picture.
Choose a review date and use the same currency for your totals. Include the accounts and assets you want to follow consistently. Keep login details and account numbers out of your notes.
- Cash and bank-account balances
- Current investment values
- Other assets you choose to track
- Outstanding debts
- Income received during the period
- Money moved into or out of investments
2. Compare with your previous review.
Net worth is the value of included assets minus included debts. Compare like with like: use the same scope and valuation approach each month. A change can reflect market movements, repayments, income, spending, or changes in what you included.
If this is your first review, record the starting point. You do not need to reconstruct every past transaction.
3. Add the missing context.
- What is one meaningful change since the last review?
- Was it expected? What might explain it?
- Did anything one-off affect the numbers?
- What would I like to understand better next month?
4. Close the review.
Write one practical observation and choose a date to look again. A review can be useful even when the numbers barely moved.
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This is an organizational template, not personalized financial, tax or investment advice. It does not calculate exact spending or replace transaction records.