- Single google workbook called 'finance'.

- 1 sheet per year.

- 1 column per month.

- 1 row for each asset & liability (bank account, credit card etc)

- Summed up to total assets

- Update this once a month by manually logging into accounts.

- Summed value for each month is referenced in another sheet called 'Net worth over time' which also has a few graph etc in it.

- I have a few other ad hoc sheets for yearly budgets, stock vesting dates etc etc.