净资产计算器！

了解您的净资产是增加它的第一步！这个工具将帮助您将资产集中在一个地方，甚至帮助预测它们未来的增长。

如果您使用过我们的 家庭预算计算器 来帮助您查看可以改善储蓄的地方，那么下一步就是测量您的净资产，以了解如何使其增长。

一旦您知道了自己的净资产，您可以使用我们的 成为百万富翁的储蓄计算器 来查看您需要达到的回报率，以实现您的储蓄目标！

Assumptions:

• Auto loan (existing balance) is modeled on a 36-month amortization at 8% APR starting now.
• If you plan to buy a new car within 10 years, your current car is sold in that buy year at its depreciated value (10%/yr). That value becomes the down payment on the new car, which is financed over 5 years at 8% APR.
• Vehicles depreciate at 10% per year. Jewelry and household items do not appreciate.
• Savings accounts grow annually at the Savings Account Interest Rate you enter. Checking does not grow.
• Retirement and other investments: each projected year, your Annual Retirement Contribution and Annual Other Investments Contribution are added at the start of the year, then the balances grow at their respective expected annual rates (compounded annually).
• Life insurance cash value grows at its entered annual rate.
• Real estate (current home value + other property value) grows at your Expected Real Estate Price Growth Rate (compounded annually).
• Mortgages are shown as liabilities equal to remaining principal based on initial amount, term, APR, and years already paid. Each future year advances payments by one year.
• Credit card debt accrues at your entered APR with a monthly minimum payment equal to the greater of 10% of balance or $25.
• Student loans accrue at 7% APR and are amortized over 10 years starting now.
• Interest rates are nominal APRs with monthly compounding for debts; asset growth is applied annually.