Net Worth Projection Calculator
Project your future net worth from your current net worth, annual savings, and expected return, with milestone values over time. Runs in your browser.
Projection
- Projected net worth
- $808,417
- Total contributed
- $350,000
- Investment growth
- $458,417
| Year | Net worth |
|---|---|
| 5 | $156,389 |
| 10 | $305,604 |
| 15 | $514,887 |
| 20 | $808,417 |
Future value with annual compounding at a constant assumed return. Real returns vary, are not guaranteed, and inflation erodes purchasing power (a 7% nominal return is ~4% real). Informational, not financial advice.
About this tool
Compounding turns steady saving into surprising sums over time, and this calculator makes that trajectory visible. It grows your current net worth at the return you assume and adds your yearly savings as a compounding annuity, projecting the total forward and showing milestone values every five years so you can see the curve steepen as growth outpaces contributions. It also separates how much you contributed from how much investment growth added — the gap that widens dramatically in later years is the whole case for starting early. The numbers depend entirely on your return assumption, which is exactly that, an assumption: markets are volatile and returns are not guaranteed, and because this projects nominal dollars, remember inflation erodes purchasing power (a 7% nominal return is closer to 4% in real terms). Use it to set savings targets and to see how changing your savings rate or time horizon moves the outcome, not as a promise of results. It is informational, not financial advice. Everything runs in your browser.
How to use it
- Enter your current net worth and annual savings.
- Set an expected annual return and the number of years.
- Read the projected net worth and the contributed-vs-growth split.
- Adjust savings or years to see how the trajectory changes.
Frequently asked questions
- How is the projection calculated?
- Your current net worth compounds at the assumed return, and your annual savings are added as a future-value annuity that also compounds. The sum is the projected net worth; the milestone table shows the value at five-year intervals.
- What return should I assume?
- It is your assumption. A diversified stock-heavy portfolio has historically returned roughly 7% real (≈10% nominal minus ≈3% inflation) over long periods, but with large year-to-year swings and no guarantee. Use a conservative figure and test a range.
- Does this account for inflation?
- No — it projects nominal dollars. To think in today's purchasing power, use a real return (subtract expected inflation from your return assumption), which gives a more conservative, inflation-adjusted figure.
- Why does growth dwarf contributions later on?
- Compounding: returns earn returns. Early on, most of your balance is what you put in; over decades, accumulated growth can far exceed total contributions. That widening gap is why time in the market matters so much.
- Is a constant return realistic?
- No real portfolio returns the same amount every year — there are gains and losses. A constant rate is a simplification that approximates the long-run average; actual paths vary, and sequence-of-returns risk matters especially near retirement.
- Is this financial advice?
- No. It is an informational projection. For personalized planning, consult a financial advisor.