As an investor, you should have only one goal: To increase your Net Worth over time. Unless you regularly evaluate your net worth (Total Assets minus Total Liabilities), you will not know what financial direction you are going in. As a personal finance tool, net worth is essential. By comparing your net worth on a regular basis you can get a good feel for your financial well-being. If your net worth is rising, you're probably in good financial health. If you're net worth is shrinking, you'll want to take a closer look at your finances to see what's wrong. This simple spreadsheet can be very powerful. It can help you consider every major purchase you make and every loan you take or investment you make. It will have you asking a very simple question... what am I spending my money on that is increasing my net worth or decreasing my net worth?  The spreadsheet also calculates your Return On 'Personal' Equity (ROPE).  Try to improve your ROPE and go for market-beating returns!