Wealth Velocity Calculator
Net worth projection.
Calculate wealth velocity — projected net worth from current balance, annual savings, years to build, and assumed investment return.
What this tool does
This tool projects how your net worth may evolve over a chosen time period based on your starting point, regular savings contributions, and expected investment returns. The result shows a single estimated figure for future net worth, calculated using standard compound growth mathematics. Your annual savings amount and the investment return rate are the primary drivers of the projection—larger contributions or higher returns produce larger outcomes. A typical scenario might involve estimating net worth after 10 years given current savings habits and historical market performance assumptions. The calculation assumes consistent annual savings and a steady return rate throughout the period, and does not account for inflation, taxes, changes in savings behaviour, or market volatility. This projection is for educational illustration only and reflects a simplified model of wealth growth.
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Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
Wealth velocity measures how fast net worth grows over time given current savings rate and investment returns. Start with current net worth, add annual savings (invested), compound at expected return. The calculator illustrates future net worth, total growth, and effective CAGR.
100k current net worth + 15k/year savings at 7% compound for 20 years = 1.01M. Growth of 910k over 20 years - roughly 9x the starting base. Of this growth, 300k is savings contribution (15k × 20 years); the remaining 610k comes from investment compounding on both starting capital and yearly additions.
Time in the market and compounding duration shape outcomes. The last 10 years of a 20-year compound typically contribute more than the first 10 years because compounding accelerates. Starting 10 years earlier produces different results than saving for a shorter period — 5k/year for 30 years and 15k/year for 20 years illustrate how time compounds asymmetrically.
Run it with sensible defaults
Using current net worth of 100,000, years to build of 20 years, annual savings of 15,000, annual return of 7%, the calculation works out to 1,001,900.83. The defaults serve as a starting point.
The levers in this calculation
The inputs — Current Net Worth, Years to Build, Annual Savings, and Annual Return % — do not move the result with equal force. Adjusting one input at a time toward extreme values shows which ones move the result most.
How the math works
Future value = current × (1 + rate)^years + savings × ((1 + rate)^years - 1) ÷ rate. Standard annuity-due compounding.
What to do with a low result
A disappointing result is information, not a judgement. Pick the single input that dragged the figure down most and focus on that one factor. Depth-first improvement on the worst input tends to clarify next steps.
What this doesn't capture
The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — does not appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.
££100,000 + ££15,000/yr at 7% over 20y = 1,001,900.83.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
This calculator computes a projected future net worth by combining two components. First, it grows your current net worth at a constant annual return rate over the specified time horizon, using compound interest. Second, it applies the future value of an annuity formula to your annual savings contributions, assuming they are made at the start of each period and earn the same annual return. The result is the sum of these two amounts. The model assumes a constant, uninterrupted annual return with no volatility, fees, or tax effects applied. It does not account for varying contribution amounts, changes in return rates, inflation, withdrawals, or the actual sequence in which returns occur. Results are projections only, based on the inputs and assumptions provided.
References
Frequently Asked Questions
Is 7% realistic return?
Why does time matter so much?
to use nominal or real returns?
How accurate is this projection?
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