Net Worth Growth Calculator
Project your net worth over time from savings and investment returns. Find out when you could reach $1,000,000.
Net worth is everything you own minus everything you owe. Growing it is the whole game.
This calculator projects it forward from your savings rate and returns.
How it works
Each year the existing net worth grows at the return rate, then the year's savings are added. Savings rise each year by the increase you set.
The calculator flags the first year the total crosses one million dollars.
The formula
r = return as a decimal.
Tips
- Early on, savings drive growth. Later, returns take over. That handoff is compounding at work.
- Paying down debt raises net worth just as much as saving.
Frequently asked questions
Should I include my home?
Yes, at a realistic value, with the mortgage as a debt. Some people track net worth with and without it.
This is not financial advice. Nothing on this site is investment, tax, legal or financial advice of any kind.
The calculators give simplified estimates from the numbers you enter. They ignore taxes, fees, rate changes and real market returns, and they can be wrong.
Do not make financial decisions based on these results. Speak to a licensed financial adviser, accountant or lender before acting, and read the full disclaimer.