Net worth calculator
Project how your net worth will evolve over time by adding the expected growth of your cash, investments, and property, and subtracting your debts.
Results
Projected net worth
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Current net worth
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Net worth growth
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Projected cash
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Projected investments
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Projected property
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Projected outstanding debt
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Each type of asset (cash, investments, property) is projected with its own compound annual return: future value = initial value × (1 + return/100)^years. Debt is reduced linearly: future debt = max(0, current debt − annual repayment × years). Projected net worth is the sum of the three future assets minus future debt.
When should you use this calculator?
This calculator projects the evolution of your net worth — the difference between what you own and what you owe — several years into the future, treating each type of asset (cash, investments, property) separately because each grows at a different pace, and subtracting your outstanding debt. It's useful for getting a sense of where you're heading if you keep your current situation and your saving and investment rates, not just the return of a single investment.
How it is calculated
Each asset is projected with the compound interest formula applied to its own expected return: future value = initial value × (1 + annual return/100) raised to the number of years. Cash typically grows slowly (the rate of a high-yield savings account), investments usually grow more, with more variability, and property according to the expected appreciation in its area. Debt, unlike assets, isn't projected with compound interest here: it's reduced linearly by subtracting the annual repayment you enter, down to a minimum of zero.
Practical example
With an example of €5,000 in cash (1.5%), €20,000 in investments (7%), €150,000 in property (3%), and €100,000 of debt paid down at €8,000 a year, your current net worth is €75,000 (5,000 + 20,000 + 150,000 − 100,000). After 10 years, cash grows to about €5,802.70, investments to about €39,343.03, and property to about €201,587.46, while debt drops to €20,000 (100,000 − 8,000×10): projected net worth is about €226,733.19, a growth of about €151,733.19 over the decade.
Common mistakes
The most common mistake is adding up all your assets as if they grew at the same rate, when cash, investments, and property behave very differently, and mixing them overstates or understates the result. Another common mistake is forgetting to subtract outstanding debt — net worth is what you own minus what you owe, not just the sum of your assets — or assuming debt disappears on its own without real repayment.
Practical tips
This is a projection with constant returns that you enter, not a guarantee: the real return on investments and the appreciation of property vary from year to year, and taxes, fees, and maintenance costs aren't deducted here. Debt repayment is modeled as a simplified linear reduction (without recalculating interest), so if you have a real mortgage it's more accurate to combine this calculator with the mortgage or compound interest calculator for each asset separately, and to review the figures periodically with updated data.
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Frequently asked questions
What is net worth?
It's the difference between everything you own (cash, investments, property, and other assets) and everything you owe (mortgages, loans, and other debts). It's the most complete measure of your financial position, more useful than looking only at your savings or only at your debts separately.
Why does each asset have its own return instead of a single rate?
Because cash, investments, and property don't grow at the same pace: cash typically returns little, stock market investments usually return more over the long run (with more variability), and property appreciates according to its area. Using a different rate for each gives a more realistic projection than averaging them.
How is debt modeled in this calculator?
In a simplified way: the annual repayment you enter is subtracted from the outstanding balance, year after year, down to zero. It doesn't recalculate interest the way a real mortgage would; for that, use the dedicated mortgage or loan calculator.
Does this calculator account for taxes or fees?
No: it projects the gross growth of each asset based on the return you enter, without deducting capital gains taxes, management fees, or maintenance costs, which would reduce the real result.
Can I use it if I have no property or debt?
Yes, leave those fields at zero: the calculator only adds the assets and debts you enter, so it works just as well if you only want to project cash and investments.
How often should I redo this projection?
It's worth updating it at least once a year, or whenever your savings, debts, or return expectations change significantly, since it's a projection based on assumptions and not a guaranteed forecast.