Tools / Asset Growth Calculator
Asset Growth Calculator
Project your net worth year by year: how much comes from the money you add, and how much comes from compounding. Everything is calculated locally in your browser.
The unit is yours to choose — USD, EUR. Results use the same unit as your input.
Assets at the end of each year
| Year | Start of year | Savings added | Return | End of year | Cumulative savings |
|---|
How the model works
savingsnext = savings + growth
- Each year's return is calculated on the assets you had at the start of that year (compound growth).
- Savings are added at the end of the year and start earning from the next year — a deliberately conservative assumption.
- Savings can grow each year, which models a rising salary.
- Taxes, fees and inflation are not included. Enter a net, real return if you want an inflation-adjusted view.
Why the early years feel slow
Compounding is a curve, not a line. In the first years almost all of your growth comes from savings; later, returns overtake contributions. Try changing the return rate from 5% to 10% and watch the last five rows of the table — that difference is the whole point of the tool.
FAQ
Is the return rate realistic?
That is entirely your assumption. A global equity index has historically returned roughly 7–10% a year before inflation and taxes, with large drawdowns in between. Many people model 5% for a conservative plan.
What if I add money monthly instead of yearly?
Divide the annual amount by 12 and enter it as the yearly figure — the result will be slightly conservative because monthly deposits compound sooner.
Does this include my pension or property?
No, only what you enter. To include them, add their current value to the initial capital and their expected return to the rate.
Is my data sent anywhere?
No. The calculation runs entirely in your browser and nothing is uploaded.