Track every asset and debt, compare against real Federal Reserve benchmarks, and project your future net worth — all private, all in your browser.
Each row needs a name, category, and value. Toggle "Liquid" for cash and easily-sold holdings — it drives the Liquid Net Worth figure above.
| Name | Category | Value | Liquid |
|---|
Everything you owe — mortgage balance, card balances, and any other outstanding loans.
| Name | Category | Value |
|---|
Based on the Federal Reserve's 2022 Survey of Consumer Finances (most recent published edition) — rounded household figures, shown for reference only.
Compounds your current net worth plus a monthly contribution at your expected return. Not a guarantee — markets don't return a constant rate every year.
📐 Rule of 72: at your current return rate, your money roughly doubles every — years.
Set a target net worth and date — this solves for the monthly contribution needed to get there, using the return rate from Settings.
Save a snapshot any time to track progress. Saved only on this device. With two or more snapshots you'll also see your actual CAGR below.
Net worth is everything you own (assets) minus everything you owe (liabilities). This tool totals every asset row, subtracts every liability row, and updates the result instantly as you type.
Liquid net worth is cash, bank balances, or easily sold investments. Illiquid net worth includes real estate, retirement accounts, vehicles, and business equity, which take time or cost money to convert to cash.
The Federal Reserve's 2022 Survey of Consumer Finances, the most recent published edition. Figures are rounded household medians and averages by age bracket, for reference only.
It compounds your current net worth monthly at your chosen annual return rate and adds your monthly contribution each month. Turning on inflation adjustment also shows the result in today's purchasing power.
No. It's a projection based on a constant assumed return, which real markets never deliver exactly year to year. Use it to compare scenarios, not as a guarantee.
Enter a target net worth and target date. Using your current net worth and expected annual return, it solves for the monthly contribution needed to reach that target by then.
No. Every calculation, snapshot, and profile is stored only in your browser's local storage on this device. Nothing is ever sent to a server.
Yes. Use the profile bar to add, rename, switch, or remove separate profiles — each with its own assets, liabilities, and history.
CAGR (Compound Annual Growth Rate) is the smoothed yearly growth rate between two points in time. Once you've saved at least two snapshots, the tool calculates your actual CAGR between your earliest and most recent snapshot.
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