Net Worth Tracker
Track your assets and liabilities, calculate your current net worth, and see how your wealth can grow over time with regular savings and investment returns.
What is net worth?
Net worth is the difference between what you own (assets) and what you owe (liabilities). It is the single best measure of your financial health. A positive net worth means your assets exceed your debts; a negative net worth means you owe more than you own. Tracking net worth over time helps you see whether your financial decisions are moving you in the right direction.
Assets vs. Liabilities
Assets are things that put money in your pocket or have value: cash, investments, real estate, vehicles, and other property. Liabilities are debts: mortgages, student loans, credit card balances, auto loans, and any other money you owe. The goal is to grow your assets faster than your liabilities.
How it works: Enter your current net worth (or break it down by asset and liability), set your monthly savings rate, expected investment return, and salary growth. The tool projects your net worth year by year and shows how long until you reach your target.
Net Worth Tracker — Calculate and Project Your Net Worth
Track your assets and liabilities, calculate your net worth, and project future growth with our free Net Worth Tracker calculator.
Net Worth Projection
Year-by-Year Projection
| Year | Starting NW | Return | Contributions | Ending NW | Goal % |
|---|---|---|---|---|---|
| 1 | $50,000 | $3,500 | $12,240 | $65,740 | 7% |
| 2 | $65,740 | $4,602 | $12,485 | $82,827 | 8% |
| 3 | $82,827 | $5,798 | $12,734 | $101,359 | 10% |
| 4 | $101,359 | $7,095 | $12,989 | $121,443 | 12% |
| 5 | $121,443 | $8,501 | $13,249 | $143,193 | 14% |
| 6 | $143,193 | $10,024 | $13,514 | $166,731 | 17% |
| 7 | $166,731 | $11,671 | $13,784 | $192,186 | 19% |
| 8 | $192,186 | $13,453 | $14,060 | $219,699 | 22% |
| 9 | $219,699 | $15,379 | $14,341 | $249,419 | 25% |
| 10 | $249,419 | $17,459 | $14,628 | $281,506 | 28% |