Net Worth Calculator
Assets minus debts, wrapped in a friendly multiple-of-income comparison and a title you did not ask for but probably deserve.
How to use
- Enter your total assets: cash, savings, investments, property.
- Enter total debts: loans, credit cards, mortgages.
- Add annual income — it frames the rank and feeds the growth projection.
- Set the bank rate, years and (optional) income growth to roll your net worth forward year by year, savings included.
Frequently asked questions
How is “net worth” calculated here?
The classic formula: everything you own (cash, savings, investments, property) minus everything you owe (loans, credit cards). Enter your annual income too and the result is framed as a multiple of it — the way most “how am I doing?” comparisons work.
Why is the result a funny title instead of a percentile?
Real percentiles need trustworthy country-by-age data and would turn a fun page into a statistics lecture. The tiers here are playful and universal: how many years of your own income you have banked says more than a rank against strangers.
Should I include my home and mortgage?
If you want the full picture, yes: add the home’s market value to assets and the remaining mortgage to debts. Some people prefer to compare “liquid” net worth — then leave the house out of both sides.
My number is negative. Is that bad?
It is common — early-career years, student loans and mortgages all start there. The direction of travel matters more than the sign, which is exactly what the Time Traveler title is about.
Is any of this financial advice?
No — it is a calculator with jokes attached. For actual financial decisions, talk to a qualified professional who has seen your real numbers.
How does the projection include my income?
Year by year: your balance first grows at the bank rate you set (default 4% a year), then that year’s savings are added at the end of the year — so each deposit starts earning interest the following year. In formula form, year t = year t−1 × (1 + rate) + that year’s income. If you set an income growth rate (default 0%), the deposit itself grows too: year 1 adds your current income, year 2 adds income × (1 + growth), and so on. Year 0 is your current net worth and the list shows every year-end total. Assumptions: a fixed bank rate, deposits only at year-end, and no withdrawals, inflation, taxes or market swings are modeled — real banks may compound differently. Still purely a daydream sizing tool.