Simple Tools

You don't need fancy software. A spreadsheet with three columns does the job: date, total assets, total debts. Subtract debts from assets, plot the result over time, and that trendline becomes your money story. Pick whatever you'll actually open each month:

• A basic Google Sheet
• A free net-worth tracker app
• Even a note on your phone

Don't over-engineer it. People who build 15-tab spreadsheets usually abandon them in a few months. Simplicity is what keeps you consistent.