순자산 계산기!

순자산을 아는 것은 그것을 늘리는 첫 번째 단계입니다! 이 도구는 자산을 한 곳에 정리하는 데 도움을 주며, 미래에 어떻게 성장할지를 예측하는 데도 도움을 줍니다.

저희 가계 예산 계산기를 사용하여 저축을 개선할 수 있는 방법을 확인했다면, 다음 단계는 순자산을 측정하여 그것을 늘리는 방법을 찾는 것입니다.

순자산을 알게 되면, 저희 백만장자가 되기 위한 저축 계산기를 사용하여 저축 목표를 달성하기 위해 필요한 수익률을 확인할 수 있습니다!

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.