Project how your net worth grows when surplus cash is invested
📥 Inputs
$
Cash + investments (exclude primary home equity if desired)
$
Checking + emergency fund (earns ~0%)
$
Starting take-home pay after taxes & deductions
%
Projected raise / income growth each year
$
Starting monthly living expenses, debt payments, etc.
%
Lifestyle inflation / rising costs each year
$
Bonus, side income, RSU vesting, etc. added once per year
%
Average expected return on invested portion
📊 Snapshot
Enter values and click Calculate to see projected growth.
📈 Projected Net Worth
Year
Cash
Invested
Total Net Worth
Inv. Returns
YoY Change
How this works
Any assets above the minimum cash balance are treated as invested and compound monthly at the expected ROI.
Each month: investments grow → income is added → spending is subtracted → excess cash above the minimum is moved into investments (or investments are sold if cash falls below the minimum).
Income and spending each increase once per year by their specified annual percentages (applied at the start of each new year after year 1).
Extra annual contribution is added once at the beginning of every year.
Cash balance earns 0% interest.
“Inv. Returns” shows the pure investment growth earned during that year (before new contributions are added).
No taxes on investment gains are modeled.
Results are approximate; actual markets, spending, and income will vary.