Net Worth Tracker Calculator
Track how your net worth changed over the past year — the growth rate, how much came from saving versus market gains, and where next year lands at the same pace.
How it works
Change = today − 12 months ago · Growth % = change ÷ |prior| × 100 · Market gain = change − (monthly × 12) · Projection = today × (1 + growth%)
Net worth is a snapshot, but tracking the change tells the real story. Splitting the year’s gain into what you contributed versus what the market added shows whether your progress comes from disciplined saving or from returns on money already invested. Early on, contributions dominate; as the balance grows, compounding does more of the lifting — the moment it overtakes your contributions is a milestone worth watching.
Worked example
Net worth went from $60,000 to $85,000 — a $25,000 change, or 41.7%. You added $1,000 × 12 = $12,000 of that, so the remaining $13,000 came from market and other gains. At the same 41.7% pace, next year would end near $120,417.
Frequently asked questions
What counts toward net worth?
Add up everything you own — cash, investments, retirement accounts, home equity, vehicles — then subtract everything you owe: mortgages, car loans, student loans and credit-card balances. The difference is your net worth.
How often should I track it?
Quarterly or yearly is enough for most people. Checking too often exposes you to normal market swings that can feel discouraging even when the long-term trend is up.
Is a negative net worth bad?
It is common early in life, especially with student loans or a new mortgage. What matters is the trend — a negative number that shrinks each year is healthy progress.
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Educational estimate, not financial advice.