HesapHanem

Net Worth Growth Calculator

Enter your current net worth, yearly savings and growth rate to project your future net worth.

How it is calculated

With starting net worth P, a fixed yearly contribution A, annual growth rate r (entered as a percent, so 6 means 6%) and n years, the tool computes FV = P·(1+r)ⁿ + A·((1+r)ⁿ − 1) / r. The first term is the starting amount compounding; the second is the future value of the yearly contributions, assumed to be made at the end of each year and kept the same every year. If r is 0 the contributions are simply A × n. Years cannot be negative. It outputs the future net worth, total contributed (P + A × n), the investment growth (FV minus contributions) and the future value of the starting amount alone. Amounts are shown in US dollars.

Worked example

Start with 50000, add 12000 a year, 6% growth, 10 years. Step 1: 1.06¹⁰ ≈ 1.7908, so the starting 50000 grows to $89,542.38. Step 2: the contributions grow to 12000 × (1.7908 − 1) / 0.06 ≈ 158,169.54. Step 3: future net worth = 89,542.38 + 158,169.54 = $247,711.92. Contributed in total: 50000 + 12000 × 10 = $170,000.00, so growth is $77,711.92.

Try this example →

Common mistakes

  • Entering the rate as a decimal: 0.06 means 0.06% here, not 6%.
  • Using a nominal return and ignoring inflation, which makes the figure look larger in today's purchasing power than it is.
  • Entering a monthly saving in the annual contribution box; multiply it by 12 first.
  • Expecting contributions to rise each year; the amount is held flat for all years.
  • Treating the output as a guaranteed result; real returns vary year to year and the tool uses one constant rate.

Sources

About this calculator

Projecting net worth forward combines two familiar pieces of finance math: compound growth on the starting balance, P·(1+r)^n, plus the future value of a level series of contributions of the same amount added at the end of each year and compounded for the years remaining. Together these give the projected balance at the end of the period, showing how much of eventual net worth comes from the starting capital compounding versus from ongoing savings.

This calculator takes a starting net worth, a flat annual contribution, expected annual growth rate, and a number of years, and returns the final projected net worth, the total you contributed, and the investment growth. Personal finance planners and individuals pursuing early retirement or FIRE goals use this projection to see how sensitive their long-term outcome is to small changes in savings rate or assumed return. To see a different horizon, change the number of years.

Was this helpful?

You can pick up to 3 reactions.

Comments (1)

  • Editorial team

    The growth rate is the input that moves the answer most, so try three of them rather than one. With 50,000 to start, 12,000 added per year and 20 years, rates of 5, 7 and 9 percent give about 529,456, 685,430 and 894,142, all from the same 290,000 put in. Contributions are counted at year end. Which growth rate do you use for planning, and what is it based on?

Popular calculators

Loan Calculator

Monthly payment, total interest and full amortization schedule.

Percentage Calculator

Percent change, percent of, and ratio calculations.

Discount Calculator

Calculate final price, savings, and discount amount.

BMI Calculator

Body mass index from height and weight (metric or imperial).

Age Calculator

Compute your exact age in years, months and days from a birth date.

Compound Interest Calculator

Calculate the final amount and interest earned with compounding.

All Calculators