Net Worth Projection

Model your future net worth by combining current assets, debts, yearly savings additions, and expected growth rates.

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Calculated Results
Current Net Worth-
Assets (15 Yrs)-
Net Worth (15 Yrs)-
Visual Projection
Invested
Corpus
Yearly Breakdowns
YearInvestedGainsCorpus
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Projecting Your Net Worth, Year by Year

Net worth is everything you own minus everything you owe, and it is the single number that shows whether years of saving and repayments are adding up. This calculator splits assets into equity and debt, grows them at an assumed CAGR, adds your annual savings, and pays down liabilities across a 15-year projection. On the defaults (₹30 lakh of assets, a ₹5 lakh loan and ₹5 lakh saved a year) net worth of ₹25 lakh today compounds to about ₹2.84 crore by the end of the projection at a 10% growth rate.

Two engines run at once. Investment growth applies the CAGR you set to the whole asset base, while the liability side is reduced each year by a fixed share of your savings, in this model, 20% of the annual savings amount. Early on, debt often dominates the picture: a household with ₹25 lakh invested against a ₹50 lakh home loan starts at a negative net worth of ₹25 lakh, and the same growth and savings path ends the 15 years at about ₹2.63 crore.

The assumptions are deliberately simple, so read them with the results. Growth compounds on the total asset value, meaning the rate should reflect the portfolio's mix rather than its best holding, the risk-return and diversification guide explains how expected returns differ across asset classes. The projection is nominal: at 6% inflation, a 10% growth rate is closer to 3.8% in real terms. Measure that erosion with the inflation calculator, and keep the asset mix itself on target using the asset allocation calculator.

Popular Net Worth Projection Calculations

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Frequently Asked Questions

What is net worth and how is it calculated?
Net worth is the value of everything you own (investments, bank balances, property) minus everything you owe, including home loans, car loans and credit card dues. In the default here, ₹30 lakh of assets minus a ₹5 lakh loan gives ₹25 lakh today. Tracking it over time matters more than the absolute figure, because it captures both investment growth and debt reduction in one number.
Should I include my house in my net worth?
Both approaches are used, and the important thing is consistency. If you count the market value of a self-occupied home as an asset, count the outstanding home loan as a liability alongside it; if you leave both out, your net worth reflects only liquid, investable wealth. A house is hard to sell in slices, so many people track an investable net worth separately for planning purposes.
How quickly does net worth grow?
Three things drive it: the return on assets, the amount saved each year, and the pace of debt repayment. On the defaults (₹25 lakh of net worth, ₹5 lakh saved a year and 10% growth) the projection reaches about ₹2.84 crore in 15 years, but the later years do much of the work because compounding applies to an ever-larger base. A higher savings rate speeds up every one of those years.
Is the projection adjusted for inflation?
No, the figures are nominal, in the rupees of each future year. At 6% inflation, a 10% nominal growth rate translates to roughly 3.8% in real terms, so the terminal figure buys less than it appears to. The inflation calculator converts the projected amount into today's purchasing power if you want the sobering version.

Formula & Mathematical Approach

Projects the expansion of your net worth based on current assets, savings rate, asset growth, and liability reduction.

Net Worth=∑Projected Assets−∑Projected Liabilities\text{Net Worth} = \sum \text{Projected Assets} - \sum \text{Projected Liabilities}
Show Plain Text / Excel Formula
Net Worth = Total Projected Assets - Total Projected Liabilities

Key Assumptions

  • Asset growth rates are constant.
  • Standard liability repayment schedules are maintained.
  • No unexpected large asset sales or liability additions occur.