Free net worth statement template
A net worth statement lists what you own, what you owe, and the difference — your net worth — as of a single date. It's the one-page core of every personal financial statement, and the fastest honest answer to "what are you worth?" Download a blank net worth statement below as a print-and-fill PDF, an Excel sheet that computes the totals, or a CSV — free, no email required.
The template uses the same asset and liability categories as a full lender-grade PFS, so a completed net worth statement transfers cleanly onto any bank's own form when a lender asks for more.
What’s inside
- Ten asset categories, from cash and investments to real estate, business equity, and vehicles.
- Four liability categories: revolving credit, installment loans, real estate mortgages, and other liabilities.
- Computed totals and net worth (in the Excel version), plus a signature and date line on the PDF.
- Spare rows for anything your situation adds.
How to use it
- Pick one date and value everything as of that date.
- Enter each asset category's total at current market value — what it would sell for, not what you paid.
- Enter each liability at its current payoff balance.
- Net worth is total assets minus total liabilities; the Excel version computes it for you.
- Date it, and if a lender will see it, sign it.
Questions, answered
What's the difference between a net worth statement and a personal financial statement?
A net worth statement is the summary: assets, liabilities, net worth. A personal financial statement wraps that summary in schedules and disclosures — itemized accounts, a real estate schedule, income, contingent liabilities, and a signed certification. Lenders usually want the full PFS; the net worth statement is the right tool for a quick, honest snapshot.
How do I value my assets?
Current market value, as of your statement date: account balances from the institutions, real estate at a defensible estimate, vehicles and business interests at what they would actually bring. Be conservative — a lender who catches one optimistic number discounts all of them.
How often should I update it?
At minimum, whenever someone will rely on it. Balances drift constantly, which is why a net worth statement is stale almost immediately — and why LivePFS keeps the full statement version refreshed from your connected accounts instead.
General information, not legal, tax, or financial advice.
Your net worth, without the spreadsheet
Connect your accounts read-only and LivePFS keeps your full statement — net worth included — current every day, ready for any lender.
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