Resources for organising your net worth
Work out your net worth, compare it with people your age in Spain and learn to read how it changes each month. Free tools, no sign-up.
A resource by Utropía Free, no sign-up
Tools
Net worth calculator
Add up what you own and subtract what you owe. A free calculator with ownership percentages for shared homes, accounts and debts. No sign-up, and your figures aren't saved.
OpenAverage net worth in Spain by age
The median net worth of households in Spain is €160,800 and the mean is €344,700 (Banco de España, EFF 2024). Compare your net worth with people your age.
OpenNet worth Excel template
Download a free personal net worth Excel template: assets, debts, shared ownership and twelve months of tracking. With formulas and an example, no email needed.
OpenGuides
Did you save, or did the market go up?
How to read the change in your net worth from one month to the next: separate your saving, what prices did and accounts you already had. With an example and a checklist to close each review.
OpenLegacy: let your family know what you have and where
If one day you stop giving signs of life, Nett alerts your trusted contacts and leaves them a read-only link to your accounts, your notes and your letter. Without giving them your passwords.
OpenAbout Nett
Nett (nett.money) is a personal net worth tracker by Utropía that doesn't connect to your bank. What it does, what it doesn't, where the prices come from and who is behind it.
OpenNett
A figure today. A history over time.
In Nett you keep your accounts, update balances when they're due and see how your net worth changes month by month. Whatever is traded values itself. No bank connection, and no password.
Create a free account