Net worth projection.

Wealth velocity measures how fast your net worth grows over time given current savings rate and investment returns. Start with current net worth, add annual savings (invested), compound at expected return. The calculator shows future net worth, total growth, and effective CAGR.

100k current net worth + 15k/year savings at 7% compound for 20 years = 1.01M. Growth of 910k over 20 years - roughly 9x the starting base. Of this growth, 300k is savings contribution (15k × 20 years); the remaining 610k comes from investment compounding on both starting capital and yearly additions.

Time in the market trumps timing and amount. The last 10 years of a 20-year compound typically contribute more than the first 10 years because compounding accelerates. Starting 10 years earlier often beats saving double - 5k/year for 30 years outperforms 15k/year for 20 years because time compounds asymmetrically.

Run it with sensible defaults

Using current net worth of 100,000, years to build of 20 years, annual savings of 15,000, annual return of 7%, the calculation works out to 1,001,900.83. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Current Net Worth, Years to Build, Annual Savings, and Annual Return % — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Future value = current × (1 + rate)^years + savings × ((1 + rate)^years - 1) ÷ rate. Standard annuity-due compounding. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

What to do with a low result

A disappointing result is information, not a judgement. Pick the single input that dragged the figure down most and focus the next quarter on that one factor. Breadth-first improvement rarely works; depth-first on the worst input usually does.

What this doesn't capture

The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.