Net Worth + Savings Rate Tracker
No need for words here, this is the Ronseal of blog pages, it does what is says on the tin!
Net Worth Excluding home equity aka “Freedom Fund”
Plus savings rate
Net Worth Including Home Equity
Liquid Freedom Fund
This is all cash/investments that are not locked away in a Pension or SIPP*
*Not all investments are super liquid and are locked away for a certain amount of time, but are not locked away as long as a pension is. Although many (e.g. ISA investments) will still have an investment horizon on the same timelines as the Pension for practical purposes, the difference is obviously that if push came to shove I could sell those off and use them for other purposes, e.g. living costs.
The above tables come from my spreadsheet here if you want to take a look at the bigger picture (feel free to copy the spreadsheet and use for your own devices of course!)
Please note that this is Net Worth for both me and Mrs TFS as we come as a package 🙂
If you’d like any further information please leave a comment!
Monthly Updates
2017
Here are the figures and updates from 2017:
Excluding home equity aka “Freedom Fund”
Including Home Equity
Liquid Freedom Fund
This is all cash/investments that are not locked away in a Pension or SIPP
2016
Here are the figures and updates from 2016:
Excluding home equity aka “Freedom Fund”
Including Home Equity 
Monthly Updates
2015
Here are the figures and updates from 2015:
Excluding home equity aka “Freedom Fund”
| Month | Net Worth | Abs. Increase | %age Increase | Savings Rate |
| January | £68,703 | – | – | 37.82% |
| February | £71,525 | £2,822 | 4.11% | 57.30% |
| March | £75,319 | £3,794 | 5.30% | 43.74% |
| April | £78,605 | £3,286 | 4.36% | 36.25% |
| May | £79,679 | £1,074 | 1.37% | 47.27% |
| June | £79,952 | £273 | 0.34% | 47.72% |
| July | £88,669 | £8,717 | 10.91% | 66.50% |
| August | £87,756 | -£913.00 | -1.03% | 47.50% |
| September | £92,741 | £4,985 | 5.68% | 69.80% |
| October | £96,328 | £3,587 | 3.87% | 16.86% |
| November | £97,988 | £1,660 | 1.72% | 46.82% |
| December | £98,147 | £159 | 0.16% | 14.88% |
| 2015 Averages | – | £2,454 | 3.07% | 48.37% |
| 2015 Totals | £98,147 | £29,444 | 42.86% | – |
Including Home Equity
| Month | NW Inc. Home | Abs. Increase | %age Increase |
| January | £135,515 | – | – |
| February | £138,719 | £3,204 | 2.36% |
| March | £142,895 | £4,176 | 3.01% |
| April | £146,563 | £3,668 | 2.57% |
| May | £148,019 | £1,456 | 0.99% |
| June | £148,674 | £655 | 0.44% |
| July | £157,773 | £9,099 | 6.12% |
| August | £157,242.00 | -£531.00 | -0.34% |
| September | £162,609.00 | £5,367 | 3.41% |
| October | £166,578 | £3,969 | 2.44% |
| November | £168,620 | £2,042 | 1.23% |
| December | £169,161 | £541 | 0.32% |
| 2015 Averages | – | £2,804 | 1.88% |
| 2015 Totals | £169,161 | £33,646 | 19.89% |
Monthly Updates 2015
Note: Some of the figures in the reports below may not match up to what is in the table above because I was estimating some figures (see Kev’s comment below). I can’t be bothered to go back and edit the posts but rest assured the figures in the table above are now as accurate as I can possibly get them 🙂
Discussion (11) ¬
Am I reading this right? You’re increasing your net worth by approx £4k – £5k per month? That’s insane.
Do you have some kind of lab producing a highly in demand product?
Hi Kev!
Eeeek… I made some mistakes on calculation in the first couple of months as didn’t know the full value of my pension fund (amongst other gaffs). I should probably try to backfit the numbers so they are more accurate if I can. Thanks for the nudge on that!
Having said that it did go up a lot between March and April because I stuffed a load of money in my SIPP, so got nearly a £2K kicker from the tax man on that (with another £2K to come as haven’t claimed it back yet). SIPPs rule! 🙂
Hi again Kev, I have updated this and properly backdated my pension numbers (it is still a guess but far more accurate and if anything I have overcompensated the other way so it doesn’t look like I am trying to mislead anyone by saying I am increasing my NW by silly amounts each month!)
Thanks again for calling me out on the obvious error. Cheers!
Hi,
I have been following Net Worth blogs for years, finally started my own;
https://othalafehu.wordpress.com/
Please check it out, any help/tips is appreciated.
That’s really cool. Good luck with it! 🙂
Wicked awesome spreadsheet you’ve got! I’ve always used http://networthify.com to estimate my retirement date, but your Expense Tracker sheets have a Years to FI row which uses the =NPER google sheets equation. I’d like to steal that idea and use it in my own spreadsheet.
=NPER and http://networthify.com seem to disagree on the Years to FI when given the same input, though, so I’m not entirely sure which one is right.
Any idea why they disagree?
Thanks in advance
Why thank you Brooks!
I’m not really sure why they may disagree as not sure the underlying code that website might be using and it looks like you have to pay to use it (had a quick look at the demo and couldn’t find any boxes with years to retirement?)
Maybe they assume different investment returns? Although I would assume they have an input box so you can estimate that yourself anyway?
Feel free to steal the NPER formulas/idea for yourself of course 🙂
Cheers