Comprehensive Guide
Learn more in our Investing Guide.
How it works
net worth tracker & projector takes your inputs and produces current net worth, 5-year projection, 10-year projection. Track assets and liabilities to calculate current net worth and project future growth. You provide 8 inputs: Cash & Savings (currency, in dollars) (default: 25000 dollars); Investment Accounts (currency, in dollars) (default: 80000 dollars); Retirement Accounts (currency, in dollars) (default: 120000 dollars); Real Estate Value (currency, in dollars) (default: 350000 dollars); Other Assets (currency, in dollars) (default: 30000 dollars); Mortgage Balance (currency, in dollars) (default: 250000 dollars); Other Debts (currency, in dollars) (default: 15000 dollars); Expected Growth % (percent, in percent) (default: 8 percent). The calculator returns 3 outputs: Current Net Worth (the primary result); 5-Year Projection (a secondary output); 10-Year Projection (a secondary output). Investment calculations rest on a few variables — principal, return rate, time, and compounding — but their interaction is non-linear enough that intuition alone gets the answer wrong more often than not. This tool runs the real formula with your inputs and shows the numbers that matter, not the rounded approximations from a textbook. With the default values, current net worth is computed from the interaction of every input field — change any one of them and the result updates immediately, so you can stress-test different scenarios without re-entering the whole form. Adjust the inputs to match your real financial situation. The defaults are realistic starting points, but every person's circumstances differ — your actual income, expenses, rates, and timelines will produce a different answer. Use the tool iteratively: start with the defaults, then change one variable at a time to see which factor has the largest impact on your outcome.Tips
- Start with the default values to see a baseline result, then change one input at a time to understand which factor matters most for your outcome.
- Replace every default with your actual number — estimates and rules of thumb produce estimates, not answers. Pull your real figures from pay stubs, statements, or account dashboards.
- Use a conservative return rate (5-6% rather than the historical 10%) for planning purposes. Markets have long flat stretches, and planning on the average sets you up for a shortfall.
Frequently asked questions
What is a good net worth by age?
Median net worth: 35-44: $135K, 45-54: $247K, 55-64: $365K. But these vary wildly by geography and lifestyle.
How accurate are the calculator results?
The math is exact — the same formulas a financial professional would use by hand. The precision of the output depends entirely on how realistic your inputs are. Use your actual numbers rather than estimates when possible. The defaults are reasonable starting points, but your real income, rates, and timeline will produce a different result.
What should I enter for cash & savings?
Enter your actual cash & savings value. The default of 25000 dollars is a common starting point, but replace it with your real figure for an accurate result.