Wealth Building Simulator
Move the levers and watch your net worth respond: when you can retire, when you are debt-free, and how today's choices compound over 5, 10 and 20 years. Save two scenarios and compare them side by side.
About you
Current age
1870
Current savings/investments$
$0$2,000,000+
Income and savings
$
≈ $70,000/yr · $5,833/mo · $33.65/hr
Annual raise%
0%5%
Savings rate%
0%60%
Share of take-home pay you save and invest.
Annual savings increase%
0%15%
Step up your savings rate by this much each year, on top of raises.
Investment return%
3%10%
Effective tax rate%
0%50%
Debt
Current debt$
$0$1,000,000+
Payoff timeline yr
1 yr30 yr
Debt interest rate%
0%25%
Retirement
Retirement age
4575
Retirement spending / yr$
$0$300,000+
In today's dollars. Sets your target nest egg at 25 times this figure.
- Net worth in 10 yrs
- $158K
- Net worth in 20 yrs
- $521K
- Can retire at
- age 60
- Debt-free at
- age 38
Projected net worth
Solid line: your plan at 6.5% return. Shaded band: the range if returns run 1.5 points higher or lower (5.0% to 8.0%).
- Age in 10 years
- 40
- Target nest egg (25 times retirement spending)
- $1.25M
- Interest paid on debt
- $3K
Try a what-if
Compare scenarios
Adjust the levers, save the plan as A, change them, then save as B to compare side by side.
Save results
How this is calculated
A long-run projection of your portfolio: we compound contributions at your chosen return and show both nominal and inflation-adjusted (real) balances over time.
The steps
- Compound your starting balance + monthly contributions month by month at the annual return.
- Step contributions up each year if you set an annual increase.
- Convert each year’s balance to today’s dollars by discounting at the inflation rate (real value).
Assumptions
- A constant average annual return and inflation rate.
- Contributions are invested monthly.
Good to know
- Real markets are volatile; a steady return is a simplification.
- Not tax-adjusted.
Related resources
Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. View full disclosures