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Retirement portfolio target: $1,500,000 — based on 4% annual withdrawal of $60,000 in expenses.
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Projection based on current scenario parameters
The dashed vertical line marks when your portfolio is projected to reach your retirement target — the balance at which a 4% annual withdrawal (the Bengen safe withdrawal rate) covers your annual expenses indefinitely without depleting principal. Projections assume continued contributions and growth and do not model post-retirement withdrawals.
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Your net worth is the most complete picture of your financial health — it captures not just your savings, but your debt paydown, property appreciation, and investment growth all in one number. This calculator projects your total net worth year by year, combining your investment portfolio with your home equity for a comprehensive view of your financial future.
Most financial calculators focus on a single asset class — either your investment portfolio or your home equity. But real wealth is the combination of everything you own minus everything you owe. Someone with a $200,000 investment portfolio and $150,000 in home equity has a $350,000 net worth. Tracking and projecting this combined figure gives you a far more accurate view of your financial trajectory than any single metric alone.
This calculator models two distinct wealth-building mechanisms simultaneously. Your investment portfolio grows through compound returns and regular contributions — an engine that accelerates over time as your balance increases. Your home equity grows through two separate forces: mortgage amortization (your loan balance shrinks with every payment) and property appreciation (your home's market value increases over time). Together, these create a powerful and diversified path to financial independence.
In the early years of a mortgage, most of your monthly payment goes toward interest rather than principal. As the loan matures, a greater share reduces your balance. This is why home equity builds slowly at first and then accelerates. Our calculator uses the standard mortgage amortization formula to model your exact loan balance each year based on your interest rate and years remaining, giving you an accurate projection of your growing equity.
Real estate appreciation compounds just like investment returns. A home worth $450,000 today, appreciating at 3% annually, would be worth over $735,000 in 20 years. Combined with a paid-down mortgage, this can represent hundreds of thousands of dollars in additional net worth. The appreciation rate you set should reflect your local real estate market and your long-term expectations — we recommend modeling conservative (2%), moderate (3%), and optimistic (5%) scenarios.
Traditional retirement planning focuses on your investment portfolio reaching a specific target (typically annual expenses ÷ withdrawal rate). But your home equity can meaningfully supplement this. If you plan to sell and downsize at retirement, your home equity becomes a liquid asset that reduces the investment portfolio you need to accumulate. Use the Retirement Parameters section to set your target, and the chart will show when your investment portfolio alone reaches that goal — knowing your home equity provides a buffer.
Projections show where you're headed, but tracking where you actually are is equally important. WealthAssist Pro includes a Net Worth Tracker where you can log your actual assets and liabilities — cash, investments, property value, mortgage, student loans, and other debt — at any point in time. Over months and years, this builds a real historical record of your net worth growth, which you can view as a line chart or broken down by category as a stacked area chart.
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). In this calculator, your net worth equals your investment portfolio balance plus any home equity (current property value minus remaining mortgage balance). Tracking your net worth over time is one of the most useful indicators of financial progress because it accounts for both your savings and debt paydown simultaneously.
The calculator projects your investment portfolio year by year using compound interest and your contribution schedule. If you enable Home Equity, it also models your mortgage amortization (using the standard loan formula) and applies your expected property appreciation rate annually. Your projected net worth each year is the sum of your ending portfolio balance plus your projected home equity.
Home equity grows two ways: your mortgage balance decreases as you make payments (calculated using standard amortization), and your property value increases at your expected appreciation rate. For example, a $400,000 home appreciating at 3% annually is worth approximately $537,000 after 10 years. Subtract your remaining mortgage balance and you have your projected equity. You can set your own appreciation rate based on your local market conditions.
It depends on your financial goals. If you plan to sell or downsize in retirement, home equity is a real and significant asset worth projecting. If you plan to stay in your home indefinitely, some financial planners prefer to exclude it since it's not a liquid asset. Our calculator lets you toggle home equity on or off — run the projection both ways and compare.
US residential real estate has historically appreciated at roughly 3–4% annually on a national average, though local markets vary significantly. High-demand urban markets have seen 5–7% over certain periods, while other regions have been flat. We default to 3% as a conservative baseline. We recommend modeling both a conservative (2%) and optimistic (5%) rate to understand the range of outcomes.
The projection calculator shows your future estimated net worth. To track your actual current and historical net worth, use the WealthAssist Net Worth Tracker — available with a Pro subscription. It lets you log your assets (cash, investments, property value) and liabilities (mortgage, student loans, other debt) at any point in time, and shows your real net worth history as a chart alongside your projections.