Net worth growth calculator
Your investments can be growing while debt pulls in the other direction. Put both on the same balance sheet to estimate how much growth is left after interest costs, before new savings or payments.
Your assumptions
Use one currency for all amounts. Changing this label does not convert values.
Example values are editable assumptions. Inputs are not saved or sent to NetCarry.
3.00% of your current net worth, before cash flows.
- Current net worth
- $400,000
- Assumed annual asset growth
- +$32,000
- Estimated annual debt interest
- $20,000
Annual estimate on current balances. Excludes contributions, payments, taxes, fees, and within-year compounding.
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How to calculate net worth growth after debt
Start with each asset’s current value and an assumed annual growth rate. Multiply the two to estimate its annual growth in dollars. Then multiply each debt balance by its annual interest rate. Subtract total debt interest from total asset growth to get annual net growth under these assumptions.
Net worth itself is assets minus liabilities. Dividing annual net growth by net worth gives the growth percentage used here. It describes a starting-balance estimate, not the actual return your investment accounts earned.
- Asset growth = sum of each asset value × its annual growth rate.
- Debt cost = sum of each debt balance × its annual interest rate.
- Annual net growth = asset growth − debt cost.
Use separate assumptions for investments and your home
A home and an investment portfolio need not grow at the same rate. Enter the full home value and the remaining mortgage separately. If you have no property, set home value and mortgage balance to zero. Use a weighted average rate when combining several investment accounts into one input.
Try a lower or negative asset growth rate to see how sensitive the result is. The example rates are editable illustrations, not predictions or recommended returns. Use one currency throughout; this calculator does not convert currencies.
What this estimate leaves out
This is a one-year starting-balance comparison. It does not amortize loans, reinvest returns during the year, add contributions, subtract spending, or calculate taxes and fees. Actual loan interest depends on payment timing and your lender’s terms. A positive result does not mean you have that amount available to spend.
When net worth is small or negative, dividing by it can produce an unhelpful percentage. Like the NetCarry app, this calculator shows a percentage only when net worth exceeds both 100 currency units and 1% of combined assets and liabilities. The dollar result stays visible.
An investment portfolio, a home, and a mortgage
| Item | Amount |
|---|---|
| Investments: $200,000 × 7% | +$14,000 |
| Home: $600,000 × 3% | +$18,000 |
| Mortgage: $400,000 × 5% | −$20,000 |
| Annual net growth | +$12,000 |
| Net worth: $800,000 − $400,000 | $400,000 |
The estimated annual net growth is 3% of net worth, before savings, debt payments, taxes, and other costs.
Common questions
Is net worth growth the same as investment performance?
No. This estimate includes non-investment assets and debt interest using assumed rates. Investment performance measures returns over a period and needs to account for deposits and withdrawals. This is not IRR, money-weighted return, or time-weighted return.
Can I include savings and loan payments?
This public calculator isolates growth and interest on current balances. In the NetCarry app, forecasts let you model future contributions and debt payments separately from growth assumptions.
Why might the result be negative?
Debt interest can exceed assumed asset growth, or assets can lose value. A negative estimate means the modeled growth and interest work against net worth before any new savings or payments.
Sources & methodology
Examples are illustrative. Product descriptions reflect NetCarry’s current calculations and account features.