See where steady saving and growth take your net worth over time.
A projected net worth calculator shows where your net worth is headed over time, growing your current net worth plus annual additions at an expected rate of return.
Net worth grows from two engines: what you add each year (savings plus debt paydown) and the growth on what you already have. Projecting them forward turns today's number into a trajectory, which is often more motivating than any single figure, it shows that steady habits compound into large gains over a decade or two.
This grows your net worth at a constant rate in nominal dollars, so real markets, which rise and fall, will differ year to year, and inflation means future dollars buy less. Treat the result as a planning trend rather than a forecast. Increasing the annual amount you add, especially early, bends the curve upward the most.
Grow your current net worth plus annual additions at an expected return. The calculator compounds them over your chosen horizon.
Money saved and invested, plus debt you pay down, both raise net worth, which is assets minus liabilities.
No, it assumes a constant return in nominal dollars. Real returns vary and inflation reduces future buying power. Use it as a trend.
See the exact formula and a worked example on our methodology page.