THE NUMORIX GUIDE
How to use the Net Worth Growth Calculator
Last reviewed September 14, 2026
What this calculator does
The engine starts with currentNetWorth, adds the annual contribution, and applies the annual return each year: balance_y = (balance_(y-1) + contribution) x (1 + return rate).
Formula and method
The engine starts with currentNetWorth, adds the annual contribution, and applies the annual return each year: balance_y = (balance_(y-1) + contribution) x (1 + return rate). totalContributed starts with the current net worth and then adds each annual contribution; totalGrowth is the ending balance minus that total.
Variables and inputs
Enter current net worth in dollars, an annual contribution in dollars, an annual return rate as a percent, and a number of years. The view recalculates immediately. The contribution is treated as one beginning-of-year amount, not as monthly deposits.
Worked example
With $50,000 current net worth, $12,000 contributed each year, a 7% return, and 20 years, year 1 is (50,000 + 12,000) x 1.07 = $66,340. After 20 iterations the modeled balance is about $719,866, total contributed is $290,000, and modeled growth is about $429,866.
How to interpret the result
The result is a compound-growth scenario for the portion of net worth represented by the inputs. It shows how a constant return and recurring additions can change a balance; it does not predict the value of a household's assets or liabilities.
Common mistakes to avoid
Do not enter annual income as current net worth or an annual contribution. Keep the return as 7 rather than 0.07 because the UI expects a percent. Remember that the engine applies the contribution before that year's growth, so an end-of-year deposit will produce a different result.
Assumptions and limitations
The engine applies one return to the entire starting balance and every contribution, with no volatility, fees, taxes, inflation, withdrawals, changing liabilities, or asset-specific returns. It also counts the starting net worth as contributed principal and does not validate negative or fractional year inputs.