Annual Net Worth Tracker
Year-on-year change in net worth.
Track your annual net worth change: this year's total minus last year's, with growth rate and monthly contribution implied.
What this tool does
Enter this year's assets and liabilities plus last year's net worth. The tool shows current net worth, year-on-year change, and implied monthly growth.
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.
Net worth is the most honest long-term financial metric. Income fluctuates; net worth shows whether you are actually building wealth. 120,000 this year vs 95,000 last year is a 25,000 annual gain — about 2,000/month from all sources (saving, investing, debt reduction combined). Tracking this year-on-year makes small drift visible and forces course-correction before it becomes habitual.
How to use it
Sum current assets (cash, investments, property, pensions) and subtract current liabilities (mortgage, loans, credit card). Compare to last year's figure.
Quick example
With current assets of 200,000 and current liabilities of 80,000 (plus last year's net worth of 95,000), the result is 25,000.00. 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 Current Assets, Current Liabilities, and Last Year'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
Current net worth = assets - liabilities. Change = current - prior. Growth rate = change / prior × 100. 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.
The annual review habit
Plug new numbers in every year. Income changes, expenses shift, markets move. A plan that isn't revisited quietly drifts out of date. This tool is cheap to re-run — so re-run it.
What this doesn't capture
Real plans get re-run against new information every year or two. The result here is a reasonable direction, not a destination. Treat it as a starting point for thinking, not a commitment to a specific future.
Net worth change produces a year-on-year figure 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
Current net worth = assets - liabilities. Change = current - prior. Growth rate = change / prior × 100.
References
Frequently Asked Questions
How often should I track?
What counts as an asset?
Should I include pension?
Why does it sometimes drop?
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