Any tool to help predict net worth in N years?

 Posts: 32
 Joined: Sun Apr 05, 2015 1:08 pm
Any tool to help predict net worth in N years?
I searched around but didn't find an answer. I'd like to have a tool with input  current net worth, yearly contribution (regardless of retirement or taxable account), stock/bond split (assuming yearly contribution also gets the same split). It can tell me what the net worth would (likely to) be in N years (N=5, 10, 20). Does anyone know such tool? Thanks.

 Posts: 104
 Joined: Wed Mar 18, 2015 10:01 am
Re: Any tool to help predict net worth in N years?
Networthify.com

 Posts: 32
 Joined: Sun Apr 05, 2015 1:08 pm
Re: Any tool to help predict net worth in N years?
thanks but looks like that website is down.

 Posts: 134
 Joined: Tue Sep 26, 2017 1:18 am
Re: Any tool to help predict net worth in N years?
https://firecalc.com
This site is more complex than you’re requesting, but makes assumptions for inflation.
You can zero out the assumptions to run your model.
This site is more complex than you’re requesting, but makes assumptions for inflation.
You can zero out the assumptions to run your model.
Re: Any tool to help predict net worth in N years?
https://www.edwardjones.com/preparingf ... lator.html
Should be close to what you are looking for. No stock bind split but you can input your expected return.
Should be close to what you are looking for. No stock bind split but you can input your expected return.

 Posts: 32
 Joined: Sun Apr 05, 2015 1:08 pm
Re: Any tool to help predict net worth in N years?
Thanks! Yeah, my calculation should be simple and the Ed Jones calculator is good enough.
Re: Any tool to help predict net worth in N years?
Excel/googlesheets. It's really a very simple calculation and well worth understanding how to do.cuihang wrote: ↑Thu Aug 16, 2018 11:04 pmI searched around but didn't find an answer. I'd like to have a tool with input  current net worth, yearly contribution (regardless of retirement or taxable account), stock/bond split (assuming yearly contribution also gets the same split). It can tell me what the net worth would (likely to) be in N years (N=5, 10, 20). Does anyone know such tool? Thanks.
Inputs: (real) assumed growth in equities and bonds. Periodic investments and amounts.
All you have to do is compute the "interest" each month, add the periodic investment onto it and sum to the previous month.
Drag down for however many months you have/want.
It ignores a whole host of things (rebalancing, for one) and only computes the "average" case, so it's at best, well, useless, but once you understand the power of compounding you can start to poke into a lot of things.
 ruralavalon
 Posts: 14250
 Joined: Sat Feb 02, 2008 10:29 am
 Location: Illinois
Re: Any tool to help predict net worth in N years?
www.firecalc.comcuihang wrote: ↑Thu Aug 16, 2018 11:04 pmI searched around but didn't find an answer. I'd like to have a tool with input  current net worth, yearly contribution (regardless of retirement or taxable account), stock/bond split (assuming yearly contribution also gets the same split). It can tell me what the net worth would (likely to) be in N years (N=5, 10, 20). Does anyone know such tool? Thanks.
www.iorp.com
"Everything should be as simple as it is, but not simpler."  Albert Einstein 
Wiki article link:Getting Started
Re: Any tool to help predict net worth in N years?
This certainly works. But the same result can be computed in one cell with the Excel FV function. The following table illustrates this. Note that cell B8 computes the same value as is accumulated at the bottom in cell B29.ryman554 wrote: ↑Fri Aug 17, 2018 8:59 amInputs: (real) assumed growth in equities and bonds. Periodic investments and amounts.
All you have to do is compute the "interest" each month, add the periodic investment onto it and sum to the previous month.
Drag down for however many months you have/want.
Code: Select all
Row Col A Col B
1 Stock growth 6.000%
2 Bond growth 1.000%
3 Years 20
4 Annual contribution 10,000
5 Starting balance 100,000
6 Stock percent 80.000%
7 Average growth 5.000% = B6 * B1 + (1  B6) * B2
8 Ending balance 595,989 = FV(B7, B3, B4, B5, 0)
Year Balance
Code: Select all
9 0 100,000 = B5
10 1 115,000 = B9 * (1 + B$7) + B$4
11 2 130,750 vvvvv
12 3 147,288 vvvvv
13 4 164,652 vvvvv
14 5 182,884 vvvvv
15 6 202,029 vvvvv
16 7 222,130 vvvvv
17 8 243,237 vvvvv
18 9 265,398 vvvvv
19 10 288,668 vvvvv
20 11 313,102 vvvvv
21 12 338,757 vvvvv
22 13 365,695 vvvvv
23 14 393,979 vvvvv
24 15 423,678 vvvvv
25 16 454,862 vvvvv
26 17 487,605 vvvvv
27 18 521,986 vvvvv
28 19 558,085 vvvvv
29 20 595,989 = B28 * (1 + B$7) + B$4
Sounds like you're thinking of computing the growth of stocks and bonds in separate columns, Ryman, each with its own growth rate and running balance. If so, you're right that rebalancing is ignored. But if a single column is used with the total portfolio balance and an average portfolio growth rate (as I do above), then annual rebalancing is done implicitly.ryman554 in same post wrote:It ignores a whole host of things (rebalancing, for one) ...
If one wants to enter the average portfolio growth rate directly, just type the FV function with the desired four parameters (growth rate, years, annual contribution, and starting balance [1]). To duplicate the entire spreadsheet, however, do the following steps:
 Select All, Copy, and Paste the following at cell A1 of an empty sheet. [2]
Code: Select all
Stock growth 0.06 Bond growth 0.01 Years 20 Annual contribution 10000 Starting balance 100000 Stock percent 0.8 Average growth =B6*B1+(1B6)*B2 Ending balance =FV(B7,B3,B4,B5,0) 0 =B5 =A9+1 =B9*(1+B$7)+B$4
 Format the cells for readability.
 Drag cells A10 & B10 down for as many years as desired.
 Change the assumptions as desired in cells B1:B6.
 If annual contribution and starting balance are entered as positive numbers, the future value will be shown as a negative number. To see it as a positive number, just enter the annual contribution and starting balance as negative numbers (as I do in the spreadsheet's cell B8).
 If you have trouble pasting, try "Paste Special" and "Text". If you still have problems, this post by LadyGeek shows another way. Or just enter manually.

 Posts: 32
 Joined: Sun Apr 05, 2015 1:08 pm
Re: Any tool to help predict net worth in N years?
This is really great. Thanks!#Cruncher wrote: ↑Fri Aug 17, 2018 11:14 amThis certainly works. But the same result can be computed in one cell with the Excel FV function. The following table illustrates this. Note that cell B8 computes the same value as is accumulated at the bottom in cell B29.ryman554 wrote: ↑Fri Aug 17, 2018 8:59 amInputs: (real) assumed growth in equities and bonds. Periodic investments and amounts.
All you have to do is compute the "interest" each month, add the periodic investment onto it and sum to the previous month.
Drag down for however many months you have/want.Code: Select all
Row Col A Col B 1 Stock growth 6.000% 2 Bond growth 1.000% 3 Years 20 4 Annual contribution 10,000 5 Starting balance 100,000 6 Stock percent 80.000% 7 Average growth 5.000% = B6 * B1 + (1  B6) * B2 8 Ending balance 595,989 = FV(B7, B3, B4, B5, 0) Year Balance
Code: Select all
9 0 100,000 = B5 10 1 115,000 = B9 * (1 + B$7) + B$4 11 2 130,750 vvvvv 12 3 147,288 vvvvv 13 4 164,652 vvvvv 14 5 182,884 vvvvv 15 6 202,029 vvvvv 16 7 222,130 vvvvv 17 8 243,237 vvvvv 18 9 265,398 vvvvv 19 10 288,668 vvvvv 20 11 313,102 vvvvv 21 12 338,757 vvvvv 22 13 365,695 vvvvv 23 14 393,979 vvvvv 24 15 423,678 vvvvv 25 16 454,862 vvvvv 26 17 487,605 vvvvv 27 18 521,986 vvvvv 28 19 558,085 vvvvv 29 20 595,989 = B28 * (1 + B$7) + B$4
Sounds like you're thinking of computing the growth of stocks and bonds in separate columns, Ryman, each with its own growth rate and running balance. If so, you're right that rebalancing is ignored. But if a single column is used with the total portfolio balance and an average portfolio growth rate (as I do above), then annual rebalancing is done implicitly.ryman554 in same post wrote:It ignores a whole host of things (rebalancing, for one) ...
If one wants to enter the average portfolio growth rate directly, just type the FV function with the desired four parameters (growth rate, years, annual contribution, and starting balance [1]). To duplicate the entire spreadsheet, however, do the following steps:
 Select All, Copy, and Paste the following at cell A1 of an empty sheet. [2]
Code: Select all
Stock growth 0.06 Bond growth 0.01 Years 20 Annual contribution 10000 Starting balance 100000 Stock percent 0.8 Average growth =B6*B1+(1B6)*B2 Ending balance =FV(B7,B3,B4,B5,0) 0 =B5 =A9+1 =B9*(1+B$7)+B$4
 Format the cells for readability.
 Drag cells A10 & B10 down for as many years as desired.
 Change the assumptions as desired in cells B1:B6.
 If annual contribution and starting balance are entered as positive numbers, the future value will be shown as a negative number. To see it as a positive number, just enter the annual contribution and starting balance as negative numbers (as I do in the spreadsheet's cell B8).
 If you have trouble pasting, try "Paste Special" and "Text". If you still have problems, this post by LadyGeek shows another way. Or just enter manually.
Re: Any tool to help predict net worth in N years?
I know about the PV function and other financial function. What I was trying to convey to the OP was the way and the math to do it by themselves (and avoiding the tedious arithmetic). Knowing/deriving what goes into PV is much more important than the actual calculation, and allows OP to start to ask "what if?" A lot easier.#Cruncher wrote: ↑Fri Aug 17, 2018 11:14 amThis certainly works. But the same result can be computed in one cell with the Excel FV function. The following table illustrates this. Note that cell B8 computes the same value as is accumulated at the bottom in cell B29.ryman554 wrote: ↑Fri Aug 17, 2018 8:59 amInputs: (real) assumed growth in equities and bonds. Periodic investments and amounts.
All you have to do is compute the "interest" each month, add the periodic investment onto it and sum to the previous month.
Drag down for however many months you have/want.Code: Select all
Row Col A Col B 1 Stock growth 6.000% 2 Bond growth 1.000% 3 Years 20 4 Annual contribution 10,000 5 Starting balance 100,000 6 Stock percent 80.000% 7 Average growth 5.000% = B6 * B1 + (1  B6) * B2 8 Ending balance 595,989 = FV(B7, B3, B4, B5, 0) Year Balance
Code: Select all
9 0 100,000 = B5 10 1 115,000 = B9 * (1 + B$7) + B$4 11 2 130,750 vvvvv 12 3 147,288 vvvvv 13 4 164,652 vvvvv 14 5 182,884 vvvvv 15 6 202,029 vvvvv 16 7 222,130 vvvvv 17 8 243,237 vvvvv 18 9 265,398 vvvvv 19 10 288,668 vvvvv 20 11 313,102 vvvvv 21 12 338,757 vvvvv 22 13 365,695 vvvvv 23 14 393,979 vvvvv 24 15 423,678 vvvvv 25 16 454,862 vvvvv 26 17 487,605 vvvvv 27 18 521,986 vvvvv 28 19 558,085 vvvvv 29 20 595,989 = B28 * (1 + B$7) + B$4
Sounds like you're thinking of computing the growth of stocks and bonds in separate columns, Ryman, each with its own growth rate and running balance. If so, you're right that rebalancing is ignored. But if a single column is used with the total portfolio balance and an average portfolio growth rate (as I do above), then annual rebalancing is done implicitly.ryman554 in same post wrote:It ignores a whole host of things (rebalancing, for one) ...
If one wants to enter the average portfolio growth rate directly, just type the FV function with the desired four parameters (growth rate, years, annual contribution, and starting balance [1]). To duplicate the entire spreadsheet, however, do the following steps:
 Select All, Copy, and Paste the following at cell A1 of an empty sheet. [2]
Code: Select all
Stock growth 0.06 Bond growth 0.01 Years 20 Annual contribution 10000 Starting balance 100000 Stock percent 0.8 Average growth =B6*B1+(1B6)*B2 Ending balance =FV(B7,B3,B4,B5,0) 0 =B5 =A9+1 =B9*(1+B$7)+B$4
 Format the cells for readability.
 Drag cells A10 & B10 down for as many years as desired.
 Change the assumptions as desired in cells B1:B6.
 If annual contribution and starting balance are entered as positive numbers, the future value will be shown as a negative number. To see it as a positive number, just enter the annual contribution and starting balance as negative numbers (as I do in the spreadsheet's cell B8).
 If you have trouble pasting, try "Paste Special" and "Text". If you still have problems, this post by LadyGeek shows another way. Or just enter manually.
 rhinopylon
 Posts: 56
 Joined: Mon Apr 02, 2018 10:51 am
Re: Any tool to help predict net worth in N years?
Personal Capital is really good at generating different scenarios and future growth.