¡Calculadora de Patrimonio Neto!

¡Conocer tu patrimonio neto es el primer paso para hacerlo crecer! Esta herramienta te ayudará a organizar tus activos en un solo lugar, e incluso a proyectar cómo crecerán en el futuro.

Si has utilizado nuestra calculadora de presupuesto familiar para ver dónde puedes mejorar tus ahorros, el siguiente paso es medir tu patrimonio neto para ver cómo hacerlo crecer.

Una vez que conozcas tu patrimonio neto, puedes usar nuestra calculadora de ahorro para ser millonario para ver qué tasa de retorno necesitas alcanzar para cumplir tus objetivos de ahorro.

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.