Wealth Building Rate Calculator
Projected annual wealth growth.
Calculate projected annual wealth growth from savings rate and expected investment returns. Shows projected wealth in 1 and 5 from the values you enter.
What this tool does
Enter current wealth, annual savings, and expected return. The tool shows projected wealth in 1, 5, and 10 years.
Enter Values
Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
100k wealth + 20k annual savings at 7% return grows to 127k in year 1, 235k in 5 years, 473k in 10. Wealth-building rate compounds. Early years feel slow; year 10 onwards accelerate. Sticking with the rate through the slow years is the hardest part of wealth-building.
A worked example
Try the defaults: current wealth of 100,000, annual savings of 20,000, expected return of 7%. The tool returns 473,044.09. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.
What moves the number most
The result responds to Current Wealth, Annual Savings, and Expected Return. 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.
The formula behind this
Future value of current wealth plus future value of annual savings annuity. Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.
Using this well
Treat the output as one point on a wider map. Run it three times — a pessimistic case, a central case, and a stretch case — and plan against the pessimistic one. That habit alone separates people who stick with an investment plan from those who bail at the first wobble.
What this doesn't capture
Steady-rate math ignores real-world volatility. Actual returns are lumpy; sequence-of-returns risk matters most in drawdown; fees and taxes drag on compound growth; and behaviour changes in drawdowns can reduce outcomes below the projection. Treat the number as one scenario, not a forecast.
Wealth growth produces future values based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Future value of current wealth plus future value of annual savings annuity.
References
Frequently Asked Questions
Primary: 10-year value?
Realistic return?
Savings rate changes?
What drives wealth most?
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