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    Net Worth Projection Calculator

    Project your future net worth based on your income, savings rate, and investment timeline.

    $350,000
    $100k$1.5M
    $500,000
    $0$5M
    25%
    5%50%
    20 years
    5 years35 years

    Projected Net Worth

    $5.52M

    7% assumed annual return

    Starting Balance$500,000
    Annual Contribution$87,500
    Total Contributions$2.25M
    Investment Growth+$3.27M

    How to Use This Calculator

    Annual Income

    Your gross annual income before taxes. Include salary, bonuses, and other recurring income sources.

    Savings Rate

    The percentage of your income you save and invest each year, including retirement contributions and other investments.

    Current Savings

    The total value of your current investments and savings, including retirement accounts, brokerage accounts, and cash.

    Time Horizon

    How many years until you plan to access these funds—typically your expected retirement date or a major financial goal.

    Understanding Risk Levels

    Conservative (5%)Lower volatility, bond-heavy portfolio. Suitable for shorter time horizons or lower risk tolerance.
    Moderate (7%)Balanced approach with a mix of stocks and bonds. A common choice for long-term investors.
    Aggressive (9%)Higher growth potential with equity-heavy allocation. More volatility, best for longer time horizons.

    What This Calculator Assumes

    • •Consistent annual contributions at the same rate each year
    • •Steady returns without accounting for market volatility or sequence of returns risk
    • •No withdrawals during the investment period
    • •Returns are nominal (before adjusting for inflation)
    • •Does not account for taxes, fees, or changes in income over time

    Get a Personalized Projection

    This calculator provides a general estimate. Your actual path depends on your specific situation—income sources, tax complexity, and goals. Let's build a plan tailored to you.

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    This calculator is for illustrative purposes only and does not constitute financial advice. Projected returns are hypothetical and based on historical averages—actual results will vary. Past performance does not guarantee future results. Consult with a qualified financial advisor before making investment decisions.