On the Assets tab, list what you own — M-Pesa and bank balances, SACCO savings, investments, land, a car, your business — with a value and a category. On the Liabilities tab, list what you owe: bank and SACCO loans, mobile loans, a mortgage, family debts. The Dashboard subtracts one from the other to show your net worth, green when positive.
Each month, add a line to the Net Worth Log with the date and your net worth, and an in-cell trend bar shows whether the number is climbing. That monthly habit — not any single figure — is what builds wealth you can see. Only the yellow cells accept typing; the totals are locked.
To move the number in the right direction, pair it with the free Monthly Budget Planner to spend deliberately and the Loan & Debt Tracker to clear what you owe faster.