Net Worth & Financial Independence
Build an assets-minus-debts balance and a separate annual investment scenario.
About this tool
Balance sheet: current asset values minus outstanding debt balances, all in one currency. Enter property market value before subtracting its mortgage; record the mortgage separately once. Use resale values for vehicles. Retirement capital means an account or capital value, not a monthly pension payment. Negative net worth is a valid result. Blank/invalid categories invalidate the total; they are not silently ignored. The balance summary appears above the inputs. Its bars use the larger of the two totals as a shared scale for assets and debts.
The FI scenario is independent: changing the balance does not change scenario capital or inputs. Available investment capital is entered explicitly; the example 105000 is not a calculation from your balance. Exclude locked pension rights, emergency reserves and assets you will not sell, and account for your debt strategy. The tool does not automatically repay debts or unlock retirement accounts. Do not double-count repayments in both starting capital and annual expenses. Set income and spending consistently with that strategy.
All scenario money is in today’s purchasing power. Annual savings = annual net income − annual spending; it may be zero or negative. Savings rate is undefined if income is zero, so omitted. Target = spending / (withdrawal assumption /100). The withdrawal rate is an assumption, not a promise of safe retirement income. A target already covered is only a current mathematical comparison, not a sustainability assessment.
Each year: balance = previous balance × (1 + real return/100) + annual savings. Deposits or deficits occur at year-end. Real return is constant after inflation; use a consistent estimate of fees/taxes. First year reaching the fixed target is shown, starting at 0 and capped at 100. Example 100 capital,10% return,100 annual savings gives 210,331,464.1 after years 1,2,3; a 460 target is first reached in year 3. No target within 100 years is not an invented 101 st year. Zero or negative savings can still reach a target if starting capital grows sufficiently. Negative returns may approach a target without reaching it.
No return fluctuations, sequence risk, changing expenses/income, pension timing, debt amortization, tax rules, currency conversion or withdrawal-phase simulation. This annual scenario is different from monthly contribution tools. It cannot guarantee financial independence or capital preservation. Same currency; finite nonnegative amounts; real return above−100% up to 100%, withdrawal rate above 0% up to 100%. Nonrepresentable totals/scenarios and nonzero literal underflow produce errors; display rounded to two decimals or scientific for extremes. Tabs retain entries until navigation/reload.