Net Worth Growth guide
This calculator separates assets and debts, then projects how net worth may grow from monthly additions and expected investment growth.
Example scenario
If assets total $240,000 and debt is $95,000, current net worth is $145,000. With $1,200 added per month and 6% growth, the 10-year projection can show whether a $1 million milestone is realistic.
Calculation method
The projection compounds current net worth and monthly additions. It simplifies asset categories into one growth rate.
Common mistakes
Do not count borrowed money as wealth. Also avoid overvaluing illiquid assets that may have selling costs.
How to use this calculator
- Enter realistic values that match your current situation.
- Press Calculate to refresh the estimate.
- Compare the main result with the supporting details in the result panel.
- Change one input at a time to see which variable affects the result most.
FAQ
Should I include my home?
Use home equity, not full home value, if you want a net worth view.
Should retirement accounts count?
Yes, if they are yours, but remember taxes and withdrawal rules may affect usable value.
Why separate debt?
Debt can hide risk. Two people with the same assets can have very different net worth if one has much more debt.