Month-over-month net worth change and implied annualised growth rate.

Last month 100,000 net worth, this month 101,800 — a 1,800 monthly gain or 1.8% month-over-month. Annualised that's ~24% growth, though single-month rates rarely hold steady. Regular tracking reveals the trend: is wealth building, flat, or declining? Monthly visibility beats annual retrospectives.

What the result means

Primary is monthly change. Secondary rows show monthly percentage, annualised rate (if the monthly rate held), and the cumulative growth over 12 months if continued. Use it to spot trends — a single month is noise; a 6-12 month pattern is signal.

Why monthly matters

Annual reviews miss mid-year course corrections. Monthly tracking makes small wins and slowdowns visible while they're still fresh. The discipline of updating monthly also forces you to actually total assets and debts regularly — which is where most of the insight comes from, not the math.

Quick example

With last month's net worth of 100,000 and this month's net worth of 101,800, the result is 1,800.00. Change any figure and watch the output shift — it's often more useful to see the pattern than to memorise the formula.

Which inputs matter most

You enter Last Month's Net Worth and This Month's Net Worth. Frequency and unit price pull the total in different directions. The biggest surprise for most people is how small recurring amounts compound into large annual figures — that's where this calculation earns its keep.

What's happening under the hood

Monthly change is simple subtraction. Monthly percentage uses last month as base. Annualised rate assumes monthly percentage compounds for 12 months — unrealistic for any single month but useful as a directional reference. The formula is listed in full below. If the number looks off, you can retrace the calculation by hand — that's the point of showing the working.

Why seeing the lifetime figure changes behaviour

Humans discount the future — a cost 30 years away feels smaller than one today, even when the present-value math says otherwise. Tools like this one strip the discounting out and show the raw number. That emotional jolt is where behavioural change actually starts.

What this doesn't capture

This is an illustration, not a prediction. The specific figure depends entirely on your inputs — change any assumption and the headline moves. The value is in the pattern it reveals, not the exact pound figure.