Nest — savings goals and net worth

Savings goals
Target, saved so far, what you put in each month. The rest is calculated: how far, how long, whether you'll make the date.
As of	1 Sep



Goal	Target	Saved	Per month	By	Left	Done	Months	Projected	On track
Emergency fund	9,000	6,200	400	Jun 2027	2,800	69%	7	Apr 2027	Yes
Lisbon trip	2,400	1,500	300	Dec 2026	900	62%	3	Dec 2026	Yes
New laptop	1,800	400	150	Mar 2027	1,400	22%	10	Jul 2027	No
Car deposit	5,000	1,200	250	Jan 2028	3,800	24%	16	Jan 2028	Yes
Wedding gift	500	500		Oct 2026		100%			Done







All goals	18,700	9,800	1,100		8,900	52%

Needed per month to hit every date			1,085	now →	1,100

Months = what's left ÷ per month, rounded up. Projected = as-of plus that many months; On track compares it with the By date.
'Needed per month' spreads every remaining amount over the months to its date (at least one) and adds them up — the contribution that would hit every date.

Net worth
What you own minus what you owe, today. Balances are yellow; liabilities are typed as negatives.

Account	Type	Balance	Asset / liability
Current account	Cash	2,350	Asset
Savings	Cash	9,800	Asset
Index fund	Investments	14,250	Asset
Pension	Investments	31,900	Asset
Car	Vehicle	7,500	Asset
Credit card	Cards	-1,180	Liability
Car loan	Loans	-6,400	Liability
Student loan	Loans	-11,200	Liability





Assets	65,800
Liabilities	-18,780
Net worth	47,020
Debt to assets	29%


By type	Balance	Share
Cash	12,150	18%
Investments	46,150	70%
Property
Vehicle	7,500	11%
Other asset
Cards	-1,180	2%
Loans	-17,600	27%
Mortgage
Other debt

Share is against total assets, so liabilities show how big they are relative to what you own.
Copy this column into the Snapshots sheet at month end to keep the history.

Snapshots
Balances at each month end, one column per account. Net worth and its change are calculated; the rest is yours.
First month	Oct 2025
	Asset	Asset	Asset	Asset	Asset	Liability	Liability	Liability
Month	Current account	Savings	Index fund	Pension	Car	Credit card	Car loan	Student loan	Assets	Liabilities	Net worth	Change
Oct 2025	2,120	6,775	12,005	29,700	8,508	-1,473	-8,417	-12,208	59,108	-22,098	37,010
Nov 2025	2,140	7,050	12,210	29,900	8,416	-1,446	-8,234	-12,116	59,716	-21,796	37,920	910
Dec 2025	2,160	7,325	12,415	30,100	8,324	-1,419	-8,051	-12,024	60,324	-21,494	38,830	910
Jan 2026	2,180	7,600	12,620	30,300	8,232	-1,392	-7,868	-11,932	60,932	-21,192	39,740	910
Feb 2026	2,200	7,875	12,825	30,500	8,140	-1,365	-7,685	-11,840	61,540	-20,890	40,650	910
Mar 2026	2,220	8,150	13,030	30,700	8,048	-1,338	-7,502	-11,748	62,148	-20,588	41,560	910
Apr 2026	2,240	8,425	13,235	30,900	7,956	-1,311	-7,319	-11,656	62,756	-20,286	42,470	910
May 2026	2,260	8,700	13,440	31,100	7,864	-1,284	-7,136	-11,564	63,364	-19,984	43,380	910
Jun 2026	2,280	8,975	13,645	31,300	7,772	-1,257	-6,953	-11,472	63,972	-19,682	44,290	910
Jul 2026	2,300	9,250	13,850	31,500	7,680	-1,230	-6,770	-11,380	64,580	-19,380	45,200	910
Aug 2026	2,320	9,525	14,055	31,700	7,588	-1,203	-6,587	-11,288	65,188	-19,078	46,110	910
Sep 2026	2,340	9,800	14,260	31,900	7,496	-1,176	-6,404	-11,196	65,796	-18,776	47,020	910

12-month change	10,010
Average monthly change	910

Type each account's balance at month end (liabilities negative). The row above the header says which columns are assets and which liabilities — it comes from the type on Setup.
Months with no balances yet show zero net worth and no change.

Setup
The as-of date, your accounts with a type, and the types with whether they're assets or liabilities.
As of	2026-09-01	Type =TODAY() to keep it live




Account	Type		Type	Asset / liability
Current account	Cash		Cash	Asset
Savings	Cash		Investments	Asset
Index fund	Investments		Property	Asset
Pension	Investments		Vehicle	Asset
Car	Vehicle		Other asset	Asset
Credit card	Cards		Cards	Liability
Car loan	Loans		Loans	Liability
Student loan	Loans		Mortgage	Liability
			Other debt	Liability




Twelve accounts, twelve types. Net worth and Snapshots read the account list in this order.

How the formulas work
Every formula in this workbook, in plain words. Nothing is hidden and nothing needs a macro. Formulas are shown without the leading = sign.

Where	Formula	What it does
Goals · Left	MAX(0,B8-C8)	Target minus saved, never below zero — an over-funded goal shows 0 left and Done.
Goals · Months	ROUNDUP(F8/D8,0)	What's left divided by the monthly contribution, rounded up to whole months. Guarded: zero contribution gives 'No contribution' rather than a division error.
Goals · Projected	EDATE($B$3,H8)	The as-of date plus that many months.
Goals · On track	IF(EDATE($B$3,H8)<=E8,"Yes","No")	Projected date on or before the By date.
Goals · Needed per month	SUMPRODUCT((names<>"")(left>0)(by<>"")*left/IF((by-$B$3)/30.4<1,1,(by-$B$3)/30.4))	For every goal with something left and a date: what's left divided by the months until the date (at least one), added up. 30.4 is the average month in days.
Net worth · Asset / liability	IFERROR(INDEX(type_kinds,MATCH(B5,types,0)),"?")	The account's type, looked up on Setup, says whether it's an asset or a liability. Liabilities are typed as negative balances, so net worth is a plain sum.
Net worth · Assets	SUMIF(D5:D16,"Asset",C5:C16)	Balances of accounts whose kind is Asset; Liabilities the same with the (negative) liability balances.
Snapshots · Assets (row)	SUMIF($B$4:$M$4,"Asset",B6:M6)	The row above the header carries each column's kind; SUMIF across the row picks the asset columns. Add an account on Setup and the column joins the right total.
Snapshots · Change	IF(COUNT(B6:M6)=0,0,N6-N5)	Net worth minus the previous month — zero while a month has no balances typed in.