What is my projected net worth?

In order to get where you want to go, you need to know where you are. You can get a view of your financial position by generating a personal net worth statement. Over time your net worth will change as your assets earn interest or are depleted and your liabilities increase or decrease. Use this calculator to estimate what your net worth could be in the future based on specified growth rates.

Assumptions

Number of years to estimate net worth ?

How many years ahead you want to project your assets, liabilities, and net worth.

Tangible Assets

Item	Value	Growth
Residence	$	%

Advanced options 10

Item	Value	Growth
Vacation home	$	%
Furnishings	$	%
Automobiles	$	%
Rental real estate	$	%
Art, jewelry, and other valuables	$	%

Equity Assets

Item	Value	Growth
Stocks	$	%

Advanced options 6

Item	Value	Growth
Variable annuities	$	%
Limited partnerships	$	%
Business interests	$	%

Fixed-Principal Assets

Item	Value	Growth
Fixed-dollar annuities	$	%

Advanced options 4

Item	Value	Growth
Trust deeds	$	%
Other fixed-principal assets	$	%

Fixed-Rate Assets

Item	Value	Growth
U.S. government bonds and securities	$	%

Advanced options 8

Item	Value	Growth
Municipal bonds	$	%
Corporate bonds	$	%
Face-amount certificates	$	%
Debt mutual funds	$	%

Cash and Cash Equivalents

Item	Value	Growth
Checking accounts	$	%

Advanced options 8

Item	Value	Growth
Savings accounts	$	%
Money market funds	$	%
Certificates of deposit	$	%
Other cash reserve accounts	$	%

Liabilities

Item	Value	Growth
Home mortgage	$	%

Advanced options 12

Item	Value	Growth
Other mortgage	$	%
Automobile loans	$	%
Bank loans	$	%
Personal loans	$	%
Charge account debt	$	%
Other debts	$	%

Enter your values and select Calculate.

The figure to focus on is netWorthProjected: your total assets minus your total liabilities at the end of the number of years you chose, after each item grows or shrinks at the rate you assigned it. There is no single right number here — it depends entirely on the growth rates you entered, so treat it as one scenario among several rather than a forecast.

Two things move this result more than anything else: the number of years you project across, and the growth rates on your largest holdings, typically your residence, investment accounts, and mortgage. A small change in any of those rates compounds a lot over a longer horizon, so it is worth trying a few different assumptions rather than relying on one set of numbers.

This projection does not account for taxes, fees, inflation, new contributions or withdrawals, or life changes like a job change, inheritance, or a major purchase. It simply compounds the values and rates you supplied. A precise-looking projected figure is still just an estimate built on the assumptions you chose.

It is worth revisiting this calculation once a year, or whenever your mortgage rate, investment mix, or major holdings change meaningfully. Having even a rough projected net worth figure puts you ahead of most people, and small adjustments to savings or debt paydown now can shift the projected figure considerably over time.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.