Enter your ages to project ahead.
What you own
Enter your values for each category. Each rate is based on research; however, change to fit your situation if needed.
What you owe
Enter your balances owed and rates in each category.
Continuing investments
Net worth today
$0
Everything you own, minus everything you owe.
Net worth in the future
$0
Your money in action.
Same balance sheet, same number of years. Sorted by how fast each line is moving. The multiplier on the right is what one dollar in that line becomes by the time you are 65.
This is a teaching tool, not financial advice. Every rate on this page is an assumption, and no real market delivers a steady return year after year. Debts are projected as though you never pay them down, which is the point of the exercise, not a prediction. Use the checkboxes to model paying them off. Talk to a qualified advisor before you make decisions about your money.