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Assets, debt, and purchasing power

Net Worth & Projection Calculator

Calculate what you own minus what you owe, then model monthly asset growth, contributions, debt payments, inflation, and three assumption scenarios.

Net worth details

Results reflect the last successful calculation. Editing this form does not change displayed totals, tables, or charts until you calculate again.

Assets

Add 1–20 things you own. Growth represents the total expected annual change in value.

Liabilities

Add up to 20 debts, or remove every row if you currently have none.

Projection assumptions
Display basis
Scenario comparison

Adjust asset assumptions only. Liabilities and inflation stay identical across scenarios.

Conservative

Optimistic

Base uses the entered growth and contribution values with 0 adjustments.

Default net worth projection is displayed.

Current financial snapshot

Current net worth
$60,000.00
Current total assets
$310,000.00
Current total liabilities
$250,000.00
Asset-to-liability ratio
1.24:1
Current monthly asset contributions
$1,000.00
Current scheduled monthly debt payments
$2,300.00
Total planned monthly outflow
$3,300.00
Current largest asset
Primary residence

$250,000.00

Current largest liability
Mortgage

$210,000.00

Base projection results

Results use the last successfully submitted base assumptions.

Projection completed with remaining debt
Projected nominal net worth
$1,008,150.56
Projected net worth in today's dollars
$615,244.99

Inflation-adjusted purchasing power

Projected total assets
$1,040,372.98
Projected total liabilities
$32,222.41
Nominal net worth increase
$948,150.56
Real net worth increase
$555,244.99
Total asset contributions
$240,000.00
Total asset growth or depreciation
$490,372.98
Total debt payments
$408,804.78
Total principal paid
$217,777.59
Total debt interest
$191,027.19
Positive net worth date
Already non-negative
Debt-free date
Not reached within projection
First $100,000 net worth date
December 2027
Projection end date
August 31, 2046
Projection period
20 years
Inflation impact
$392,905.57
Number of liabilities paid off
3
Number of liabilities remaining
1
Projection status
Projection completed with remaining debt

Asset breakdown

AssetCategoryCurrent valueShareAnnual growthMonthly contributionProjected valueContributionsGrowth / depreciation
Savings accountCash$5,000.001.61%2%$300.00$95,699.21$72,000.00$18,699.21
Retirement accountRetirement accounts$25,000.008.06%7%$500.00$350,510.30$120,000.00$205,510.30
Brokerage investmentsInvestments$10,000.003.23%7%$200.00$140,204.12$48,000.00$82,204.12
Primary residenceReal estate$250,000.0080.65%3%$0.00$451,527.81$0.00$201,527.81
VehicleVehicles$20,000.006.45%-10%$0.00$2,431.53$0.00-$17,568.47

Asset allocation by category

Current and projected shares are aggregated from the asset simulation.

Cash$5,000.00 now · $95,699.21 projected

Current 1.61% · Projected 9.2% · Contributions $72,000.00 · Growth $18,699.21

Retirement accounts$25,000.00 now · $350,510.30 projected

Current 8.06% · Projected 33.69% · Contributions $120,000.00 · Growth $205,510.30

Investments$10,000.00 now · $140,204.12 projected

Current 3.23% · Projected 13.48% · Contributions $48,000.00 · Growth $82,204.12

Real estate$250,000.00 now · $451,527.81 projected

Current 80.65% · Projected 43.4% · Contributions $0.00 · Growth $201,527.81

Vehicles$20,000.00 now · $2,431.53 projected

Current 6.45% · Projected 0.23% · Contributions $0.00 · Growth -$17,568.47

Liability breakdown

LiabilityCategoryCurrent balanceAPRScheduled paymentProjected payoffPaymentsInterestRemainingStatus
MortgageMortgage$210,000.006.5%$1,500.00Not within projection$360,000.00$182,222.41$32,222.41Not paid off within projection
Auto loanAuto loan$15,000.007%$350.00October 31, 2030$17,311.47$2,311.47$0.00Paid off
Credit cardCredit card$5,000.0020%$200.00May 31, 2029$6,522.10$1,522.10$0.00Paid off
Student loanStudent loan$20,000.005.5%$250.00December 31, 2034$24,971.20$4,971.20$0.00Paid off

Scenario comparison table

Scenarios are mathematical alternatives, not guarantees or safety classifications.

ScenarioGrowth adjustmentContribution adjustmentAssetsLiabilitiesNominal net worthToday's dollarsContributionsAsset growthDebt interestDebt-free date
Conservative-2 pts-20%$689,314.70$32,222.41$657,092.28$401,004.33$192,000.00$187,314.70$191,027.19Not reached within projection
Base (entered assumptions) — Base0 pts0%$1,040,372.98$32,222.41$1,008,150.56$615,244.99$240,000.00$490,372.98$191,027.19Not reached within projection
Optimistic+2 pts+20%$1,541,826.74$32,222.41$1,509,604.32$921,267.65$288,000.00$943,826.74$191,027.19Not reached within projection

Conservative

Net worth increase
$597,092.28
Positive net worth
Already non-negative
First $100,000
May 2028

Base (entered assumptions)

Net worth increase
$948,150.56
Positive net worth
Already non-negative
First $100,000
December 2027

Optimistic

Net worth increase
$1,449,604.32
Positive net worth
Already non-negative
First $100,000
August 2027

Monthly schedule

Base-scenario monthly records. Showing more rows does not recalculate results.

MonthBeginning assetsContributionsAsset growthEnding assetsBeginning liabilitiesDebt paymentsInterestEnding liabilitiesNominal net worthToday's dollars
Sep 2026$310,000.00$1,000.00$647.89$311,647.89$250,000.00$2,300.00$1,400.00$249,100.00$62,547.89$62,419.31
Oct 2026$311,647.89$1,000.00$656.52$313,304.41$249,100.00$2,300.00$1,393.84$248,193.84$65,110.58$64,843.17
Nov 2026$313,304.41$1,000.00$665.18$314,969.59$248,193.84$2,300.00$1,387.61$247,281.45$67,688.14$67,271.58
Dec 2026$314,969.59$1,000.00$673.85$316,643.44$247,281.45$2,300.00$1,381.34$246,362.79$70,280.65$69,704.56
Jan 2027$316,643.44$1,000.00$682.55$318,325.99$246,362.79$2,300.00$1,375.01$245,437.79$72,888.20$72,142.12
Feb 2027$318,325.99$1,000.00$691.26$320,017.26$245,437.79$2,300.00$1,368.62$244,506.41$75,510.85$74,584.30
Mar 2027$320,017.26$1,000.00$700.00$321,717.26$244,506.41$2,300.00$1,362.17$243,568.58$78,148.68$77,031.09
Apr 2027$321,717.26$1,000.00$708.76$323,426.02$243,568.58$2,300.00$1,355.66$242,624.24$80,801.78$79,482.53
May 2027$323,426.02$1,000.00$717.54$325,143.56$242,624.24$2,300.00$1,349.09$241,673.33$83,470.23$81,938.63
Jun 2027$325,143.56$1,000.00$726.34$326,869.90$241,673.33$2,300.00$1,342.47$240,715.80$86,154.11$84,399.41
Jul 2027$326,869.90$1,000.00$735.17$328,605.07$240,715.80$2,300.00$1,335.78$239,751.58$88,853.49$86,864.90
Aug 2027$328,605.07$1,000.00$744.02$330,349.09$239,751.58$2,300.00$1,329.03$238,780.61$91,568.48$89,335.10

Showing 12 of 240 calculated months.

Yearly breakdown

Calendar periods aggregated only from base monthly records; partial years are labeled explicitly.

PeriodStarting assetsContributionsGrowthEnding assetsStarting liabilitiesPaymentsInterestEnding liabilitiesNominal net worthReal net worthNet worth change
Sep–Dec 2026$310,000.00$4,000.00$2,643.44$316,643.44$250,000.00$9,200.00$5,562.79$246,362.79$70,280.65$69,704.56$10,280.65
2027$316,643.44$12,000.00$8,770.65$337,414.09$246,362.79$27,600.00$16,065.20$234,827.99$102,586.10$99,263.61$32,305.45
2028$337,414.09$12,000.00$10,062.01$359,476.10$234,827.99$27,600.00$15,045.87$222,273.86$137,202.24$129,520.60$34,616.14
2029$359,476.10$12,000.00$11,398.09$382,874.19$222,273.86$26,122.10$13,984.85$210,136.61$172,737.58$159,089.17$35,535.34
2030$382,874.19$12,000.00$12,784.96$407,659.15$210,136.61$24,311.47$13,196.29$199,021.42$208,637.72$187,466.10$35,900.14
2031$407,659.15$12,000.00$14,228.77$433,887.92$199,021.42$21,000.00$12,592.67$190,614.10$243,273.82$213,256.08$34,636.10
2032$433,887.92$12,000.00$15,735.80$461,623.71$190,614.10$21,000.00$12,055.73$181,669.83$279,953.88$239,424.55$36,680.06
2033$461,623.71$12,000.00$17,312.48$490,936.19$181,669.83$21,000.00$11,484.30$172,154.13$318,782.06$265,981.97$38,828.18
2034$490,936.19$12,000.00$18,965.46$521,901.65$172,154.13$20,971.20$10,876.16$162,059.08$359,842.57$292,918.63$41,060.51
2035$521,901.65$12,000.00$20,701.62$554,603.27$162,059.08$18,000.00$10,307.35$154,366.43$400,236.84$317,853.98$40,394.27
2036$554,603.27$12,000.00$22,528.12$589,131.39$154,366.43$18,000.00$9,792.15$146,158.58$442,972.80$343,213.05$42,735.96
2037$589,131.39$12,000.00$24,452.42$625,583.80$146,158.58$18,000.00$9,242.46$137,401.04$488,182.76$369,016.09$45,209.96
2038$625,583.80$12,000.00$26,482.36$664,066.16$137,401.04$18,000.00$8,655.95$128,056.99$536,009.17$395,285.80$47,826.41
2039$664,066.16$12,000.00$28,626.15$704,692.31$128,056.99$18,000.00$8,030.16$118,087.15$586,605.15$422,047.18$50,595.98
2040$704,692.31$12,000.00$30,892.45$747,584.76$118,087.15$18,000.00$7,362.46$107,449.62$640,135.14$449,327.43$53,529.98
2041$747,584.76$12,000.00$33,290.40$792,875.15$107,449.62$18,000.00$6,650.05$96,099.67$696,775.49$477,155.86$56,640.35
2042$792,875.15$12,000.00$35,829.65$840,704.80$96,099.67$18,000.00$5,889.92$83,989.59$756,715.21$505,563.83$59,939.72
2043$840,704.80$12,000.00$38,520.43$891,225.23$83,989.59$18,000.00$5,078.89$71,068.47$820,156.75$534,584.71$63,441.54
2044$891,225.23$12,000.00$41,373.59$944,598.81$71,068.47$18,000.00$4,213.54$57,282.01$887,316.80$564,253.82$67,160.05
2045$944,598.81$12,000.00$44,400.64$1,000,999.46$57,282.01$18,000.00$3,290.23$42,572.24$958,427.22$594,608.45$71,110.41
Jan–Aug 2046$1,000,999.46$8,000.00$31,373.52$1,040,372.98$42,572.24$12,000.00$1,650.17$32,222.41$1,008,150.56$615,244.99$49,723.35
Net worth projection

Base nominal value (solid) and purchasing power in today's dollars (dashed).

Text alternative: net worth moves from $60,000.00 today to $1,008,150.56 nominal and $615,244.99 in today's dollars.

Assets vs liabilities

Solid assets and dashed liabilities under base assumptions.

Text alternative: projected assets are $1,040,372.98 and liabilities are $32,222.41 at the horizon.

Scenario comparison

Nominal net worth using adjusted asset growth and contributions; debt terms do not change.

Conservative: $657,092.28 nominal net worth.

Base (entered assumptions): $1,008,150.56 nominal net worth.

Optimistic: $1,509,604.32 nominal net worth.

Understanding your net worth projection

What net worth measures

Net worth is total assets minus total liabilities. It is a balance-sheet measure, not income, spending capacity, or monthly cash surplus. A negative result means included liabilities exceed included asset values.

Which assets to include

Cash, investments, retirement accounts, real estate, vehicles, business interests, and personal property can be included when you can make a supportable value estimate. Avoid counting the same economic value twice.

Which liabilities to include

Include balances you remain responsible for, such as mortgages, auto and student loans, credit cards, personal loans, medical debt, and tax debt. A $0 row is treated as already paid off.

Value is not accessibility

A house, retirement account, business interest, or collectible may increase net worth while remaining difficult, costly, or restricted to convert into spendable cash. Net worth does not measure liquidity by itself.

Choosing a growth rate

Use a nominal annual assumption that reflects the asset and already includes its expected overall price change. Do not add dividends separately: the entered growth rate is the model's total change in value.

Depreciation and contributions

Negative growth reduces an asset without allowing its value to fall below $0. Contributions are tracked separately, added at month end, and begin receiving growth in the next modeled month.

Interest, payments, and growing debt

Liability interest is charged before each payment. When payment is below interest, principal paid is negative and the balance grows through negative amortization. Final payments are limited to the amount actually due.

Nominal vs today's dollars

Nominal net worth uses future dollar amounts. Today's-dollars net worth divides that result by cumulative inflation to express estimated purchasing power; inflation is not subtracted directly from asset growth.

Using scenarios responsibly

Conservative and optimistic cases adjust growth in percentage points and contributions by a percentage. They expose sensitivity to assumptions; optimistic is not a promise and conservative is not a guaranteed safe result.

Model limitations

The model holds rates, contributions, and payments constant. It does not model taxes, fees, market volatility, changing income, irregular transactions, asset sales, defaults, or real-world appraisal changes.

Frequently asked questions

What is included in net worth?

Net worth is the value of assets you include minus the balances of liabilities you include. This calculator does not discover accounts or prices, so completeness depends on your entries.

Should I include my home and vehicle?

You may include property you own using a reasonable current value and growth or depreciation assumption. Remember that an asset's estimated value is not the same as cash you can access immediately.

How does the calculator apply contributions and growth?

Each month applies effective monthly growth or depreciation to the beginning asset value, then adds the monthly contribution at month end. A new contribution starts receiving growth in the following month.

What does negative amortization mean?

Negative amortization occurs when a liability payment is smaller than the interest charged for that month. The unpaid interest increases the balance, and the calculator flags that liability as growing.

What is net worth in today's dollars?

Today's-dollars net worth divides the nominal projected value by cumulative modeled inflation. It estimates future purchasing power without subtracting inflation directly from individual asset growth rates.

Why compare conservative and optimistic scenarios?

Alternative scenarios show how different asset growth and contribution assumptions change the same monthly model. They help test sensitivity, but neither scenario predicts or guarantees an outcome.

Is the projected payoff date guaranteed?

No. It is a modeled month-end estimate based on constant balances, rates, and scheduled payments. Actual lender accrual, fees, payment timing, and future changes can produce a different payoff date.