Excel Wealth Tracker and Wealth-Management Spreadsheet
Updated on 30 July 2026.
A wealth-management Excel file, such as XlsAsset, lets you track your investments, but it means updating every value by hand. Finary replaces this Excel wealth spreadsheet with automatic, free tracking of your accounts, investments and loans.
- Finary automatically aggregates bank accounts, stock-market investments, real estate and loans, with no Excel formula and no manual update.
- Using Finary to track your wealth is free; an optional Finary+ subscription adds extra features.
- Unlike an investment Excel file, the valuation of assets such as stocks or real estate updates in real time.
- The Finary community and the Finary Talk events let you exchange with other investors about their wealth-tracking methods.
What is a wealth-management Excel file?
A wealth-management Excel file, such as XlsAsset, is a spreadsheet that manually centralises the value of your investments (stocks, SCPI (a French non-listed real-estate investment fund, comparable to a REIT), real estate, savings) to track how your wealth evolves over time.
But you have to enter every value yourself and cobble together formulas to calculate the total, which becomes time-consuming as the number of accounts grows. According to the work of Raymond Panko (University of Hawaii), a specialist in spreadsheet errors, almost all complex spreadsheets contain at least one undetected error - a risk that automation removes.
How does Finary replace an Excel wealth spreadsheet?
Finary connects directly to your bank accounts, securities accounts, life insurance policies and real estate to automatically calculate the value of your wealth, with no formula or Excel cell to update.
The basic use of Finary is free: you can add all of your investments and let the platform calculate your total wealth for you.
How to track stock-market and real-estate wealth without Excel?
To track your stock-market and real-estate wealth without Excel, simply connect your securities accounts, your PEA (a French tax-advantaged equity savings account) or your positions in world ETFs to Finary: the performance of your stocks, whether the CAC 40 or the Nasdaq, and the value of your real estate, update automatically, alongside the rest of your wealth.
The same applies to a rental investment, usually tracked in a real-estate Excel file updated by hand: on Finary, the valuation happens with no manual re-entry. Our guide to getting started in the stock market explains how to structure this tracking.
Why replace your wealth-management Excel file with Finary?
Finary lets you add all of your investments as well as your loans to get a reliable estimate of your net wealth. The valuation happens automatically, replacing the manual updates of a wealth-management Excel file. A true account aggregator paired with a wealth aggregator, Finary makes it easier to track your investments.
Having a detailed view of your wealth is an essential step in making better investment decisions and tracking your goals. Using Finary to track your wealth is free, and your data is never resold to third parties: the business model relies on an optional Finary+ subscription, which funds the platform's independence. Finary thus makes it possible to build a complete net-worth statement without the complexity of an Excel file. We put the tools for wealth tracking within everyone's reach, and our guide on where to invest your money helps you decide what to invest in.
Join a community of passionate investors
Knowledge is power, so let's share it. It's with this idea in mind that we created the Finary community. It's a space where you can exchange ideas with other investors and ask all your questions. The space is dedicated to exchange between investors - a place to share and to learn!
In addition to the community, we also offer the Finary Talk. These free talks are a chance to hear experienced investors share their secrets and methods. We also set aside time for the community to ask its questions!
Frequently asked questions
Is a wealth-management Excel file free?
An Excel file such as XlsAsset is generally free to download, but takes time to set up and update. Wealth tracking on Finary is also free in its basic version, with no spreadsheet for you to maintain.
Can you track a stock portfolio (CAC 40, Nasdaq) without Excel?
Yes: by connecting your securities account or your PEA (a French tax-advantaged equity savings account) to Finary, the value and performance of your stock portfolio, whether the CAC 40 or the Nasdaq, are calculated automatically, alongside the rest of your wealth.
How to build a complete net-worth statement without a spreadsheet?
A complete net-worth statement adds up the value of all assets (real estate, financial investments, loans) at a given point in time. On Finary, this statement builds itself automatically as soon as your accounts are connected, with no need to re-enter each line in a spreadsheet.
Is an investment Excel spreadsheet reliable for tracking your wealth?
An investment Excel spreadsheet depends entirely on formulas and manual entries, which multiplies the risk of error as the number of rows grows. Finary automatically calculates the value of each asset, with no formula to maintain.
Sources
Raymond R. Panko, Spreadsheet Errors: What We Know. What We Think We Can Do, University of Hawaii
Finary community, a space for investors to connect
Finary Talk, YouTube talks on investing
Regulatory disclaimers: Marketing communication. Investing carries a risk of partial or total capital loss. Past performance is not a reliable indicator of future performance. This article is provided for information and educational purposes only; it does not constitute personalised investment advice, a buy or sell recommendation, or tax advice. Before investing, read the Key Information Document (KID) and, where relevant, consult an authorised adviser. Finary SAS, an investment firm authorised by the ACPR (no. 19283), member of AMAFI. Insurance broker registered with ORIAS (no. 21001279), member of the CNCGP (association approved by the AMF). Crypto-Asset Service Provider (CASP) authorised by the AMF under the MiCA regime, references no. A2026-026 and no. N2026-008.
