This calculator projects how net worth may change when existing assets grow, new savings are added, and liabilities decline. It gives households and individual investors a transparent planning estimate rather than a precise forecast. The breakdown separates projected assets from remaining debt so the drivers of the result stay visible.
Use the current market value of assets and outstanding liabilities.
Enter expected annual contributions, asset growth, and principal debt reduction.
Set the number of years for the projection.
Review projected assets, remaining debt, and total net worth growth.
Contributions are added at the end of each projection year in this model.
The result is the estimated difference between projected assets and remaining liabilities at the end of the chosen horizon.
Returns, contributions, and debt payments rarely remain constant; test several scenarios.
Given: $250,000 assets, $80,000 liabilities, $18,000 annual contributions, 5% growth, $6,000 annual debt reduction, and 10 years.
Calculation: Apply 5% growth and then add $18,000 each year; reduce debt by $6,000 annually to a $20,000 balance.
Result: The calculator reports the resulting assets minus $20,000 of remaining debt.
No. Enter a growth rate that is already net of the costs you expect, or reduce the rate to create a conservative scenario.
This model adds them at the end of each year.
No. Remaining debt is floored at zero.
It may be included if you use a reasonable current property value and record the related mortgage as a liability.
Future returns are uncertain. Comparing conservative, base, and optimistic assumptions gives a more useful planning range.