I use a simple spreadsheet with rows of 1st of every month. First few columns are Assets (Bank Checking, Savings, Retirement, Investments) Then Liabilities such

I use a simple spreadsheet with rows of 1st of every month. First few columns are Assets (Bank Checking, Savings, Retirement, Investments) Then Liabilities such as Credit Cards, Loans). Then the simple sum of these two in next column gives my Net Worth for that month. Next Column adds its to the same of previous month, giving me total net worth. Then a %age change from last month. All balances are as per 1st of month.