Net Worth Projection Calculator
See how your net worth could grow over time, given your current balance, what you add each month, and an expected rate of return.
| Year | Age-agnostic balance | Contributed | Growth |
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Why projecting net worth matters
A single net-worth number tells you where you are; a projection shows where consistent saving and compounding can take you. Seeing the growth curve makes the case for starting early and contributing regularly far more concrete than a spreadsheet cell.
Contributions vs. compounding
Early on, most of your growth comes from what you add. Over longer horizons, returns increasingly do the heavy lifting — which is why the gap between "total contributed" and "projected net worth" widens the further out you look.
Turn the estimate into a habit
Projections are only useful if you check reality against them. Logging your actual net worth on a regular cadence lets you see whether you're tracking ahead of or behind the curve, and adjust.
Net worth projection — FAQ
How is projected net worth calculated?
It compounds your current net worth forward and adds your regular contributions over time. Each month the balance grows by your expected return divided by twelve, then your monthly contribution is added — the standard future-value-of-an-annuity calculation.
What return rate should I use?
That's your assumption. A common starting point is a 5–7% long-run real (after-inflation) return for a diversified portfolio, but markets vary year to year. Use a conservative figure and treat the projection as a planning estimate, not a forecast.
Does this account for inflation and taxes?
Only if you enter a real (after-inflation) return. The calculator doesn't model taxes, fees, or irregular income. It's a clean compounding estimate to show the shape of long-term growth, not a tax-accurate plan.
How do I track whether I'm on pace?
Record your actual net worth on a regular cadence and compare it against the projection. Tracking dated snapshots over time is the most reliable way to see whether you're ahead of or behind your plan.