Net worth path simulator

See a path.
Not a prediction.

Put assets, debt, monthly progress, and one planned life event on the same timeline. Change every assumption when you want to.

Start with the progress you control: contributions and debt reduction. Add growth and one big life moment when you are ready.

A line can help without pretending to know your future.

Try the steady things first: what you add, what debt you reduce, and what you already know you want life to include. Then, if it helps, add a growth assumption and compare it with the no-growth path right beside it.

Why show zero growth? Because your monthly behavior deserves its own line. It lets you see what comes from contributions and principal reduction before any uncertain market return.
How this works + what it leaves out

Each month, invested assets receive the explicit effective annual return converted to a monthly rate, then the contribution. Debt falls by the entered principal reduction. A one-off is withdrawn in its selected month. Net worth is cash plus modeled investments minus remaining liabilities.

Cash stays flat. Taxes, fees, inflation, debt interest, market sequence, asset-specific behavior, and changing contributions are not modeled.

Educational planning estimate. Not investment advice or a return prediction. Last reviewed October 5, 2026 by Ahead of Us.

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