--- title: "Net Worth Projection Calculator, With Life Events | Candor" description: "Project your net worth year by year, then switch on a home, a child, a career break, or a big purchase to see what each one changes. With an example and FAQ." url: "https://candor.money/explore/net-worth-ahead" updated: "2026-11-13" --- # Net worth projection calculator A net worth projection shows where your net worth is headed, year by year, at what you save now. Add what you expect along the way, like buying a home, having a child, or taking a career break, and see what each one does to the total. ## Net worth forecast Example numbers. Change them to yours. Your age Savings and investments $ Cash, retirement accounts, and other investments, added up. Home value $ Optional. What your home would sell for today. What you owe $ Optional. Mortgage, loans, and card balances, added up. Paying toward that each month $ Optional. Once a debt is paid off, its payment goes to savings. Saving each month$2,500 Forecast toAge 65 ### Life events Switch on what you expect, then move it. Each one's effect shows beside your net worth. Buying a home WhenAge 35 Price$450,000 Costs you more each month$1,000 The mortgage, taxes, insurance, and upkeep, less what you pay for housing now. A child WhenAge 36 Costs each month$1,200 ### Assumptions Nobody knows these for sure. They start at common values. Change them and watch the answer move. Investment growth5% How much your savings and investments grow a year, after inflation. In past US data, a mix of 60% stocks and 40% bonds grew about 5% a year. Cash grows less. Home value growth1% How much a home's value grows a year, after inflation. Set it lower to be cautious. Net worth at 65 $1,853,673 Your net worth could reach $1,853,673 by 65, from $35,000 today, at what you save now. Without the events you added, it would be $1,364,773 higher. Savings and investments at 65 $1,247,141 What you could spend, after every event Your home at 65 $606,532 What it could be worth; loans on it count in net worth A child −$708,608 18 years of the monthly cost, and what it would have grown to Buying a home −$656,165 Down payment, closing costs, and the monthly cost, less the equity it builds ### Your net worth from 32 to 65 How it works: each month, savings grow at the yearly growth rate and your monthly saving is added; debts are charged 6% a year until paid, and then their payment goes to savings. Buying a home takes 20% down and 3% closing costs from savings, with a 30-year mortgage at 6.5%. A child's cost runs 18 years; a career break spends from savings with nothing added. Figures are in today's dollars because growth is after inflation. Taxes, raises, and retirement withdrawals are not counted. This is an estimate, not advice. See it with your actual numbers. These are numbers you typed. With Candor, the AI you already use, like Claude or ChatGPT, builds this page from your real balances, debts, and saving, keeps your life events on it, and keeps it up to date. [Start free→](https://app.candor.money/signup)[Get the prompt↓](#try-prompt) Net worth at 65$1,853,673 ## What you ask your agent, and the page it builds in Candor You Where is our net worth headed if I take that sabbatical? Your agent Today your net worth is $448,400: $214,800 saved and invested, a home worth about $520,000, and $286,400 left on the mortgage. At the $2,400 a month you have been saving, it reaches about $2,616,900 by 65, and the sabbatical you mentioned costs about $233,300 of that. I saved a page in Candor with the sabbatical on a timeline you can move, and the monthly saving you can change. Today2TransactionsCash flowBudgetRecurringGoalsReportsAccountsInvestments Your agent ActivityPromptsAgents ![](https://candor.money/logos/openai.svg)ChatGPT is connected Your accountCandor member ![](https://candor.money/logos/openai.svg)Written by ChatGPT Where our net worth is headed Live · Figures as of Sep 21, 6:12 AM Net worth year by year, with the sabbatical on the timeline. Net worth at 65 $2,616,908 Saving each month$2,400 Net worth today $448,400 Home value at 65 $660,262 The sabbatical −$233,330 Candor with sample data. What your agent needs Balances, debts, recent saving, and the plans to include, such as a move, a child, or a career break. What you get back A live page projecting net worth year by year, with events you can move or switch off. When to use it A focused review when this question comes up. ## The prompt: Where is our net worth headed? Copy the prompt into the AI agent you use with Candor. It works from your Candor records and asks for anything it's missing. New to Candor? [Connect your agent first.](https://candor.money/connect) Your prompt Project where our net worth is headed. Start from our balances, debts, and how much we have actually saved each month in Candor. Ask me which life events to include, such as a move, a child, a career break, or a big purchase, and when. Build a live page in Candor that shows net worth year by year, with each event on a timeline I can move or switch off, and growth and inflation assumptions I can change. Keep homes and cars separate from money we could spend. If something the page depends on is missing, say so on the page instead of counting it as zero. Tell me in our conversation what drives the result most. Nothing runs until you send the prompt to your agent. ### New to Candor? Set up and start in one message Paste this into Claude, ChatGPT, or the agent you use. It sets up Candor and walks you through approving its access and connecting your accounts, then runs the prompt from your records. Set up Candor from https://candor.money/START.md and walk me through connecting it here. Project where our net worth is headed. Start from our balances, debts, and how much we have actually saved each month in Candor. Ask me which life events to include, such as a move, a child, a career break, or a big purchase, and when. Build a live page in Candor that shows net worth year by year, with each event on a timeline I can move or switch off, and growth and inflation assumptions I can change. Keep homes and cars separate from money we could spend. If something the page depends on is missing, say so on the page instead of counting it as zero. Tell me in our conversation what drives the result most. ## Not on Candor yet? Versions for ChatGPT and Claude. Both versions work from the numbers you type, and the answer stays in that chat. With Candor, your agent reads your balances, debts, and what you actually saved each month over the last year from your records, keeps the life events you mention on the page, and builds it in Candor with each event on a timeline you can move. The page reads your balances each time you open it, so the projection starts from where you are. ### For ChatGPT Help me project my net worth to age \[age\]. I'm \[age\], with $\[amount\] in savings and investments, a home worth $\[amount\], $\[amount\] owed in total with $\[amount\] a month going to it, and I save $\[amount\] a month. Work in today's dollars with 5% growth after inflation for investments and 1% for the home, and let me change both. Then add these events and show what each one does to my net worth at the end: \[a home at age, a child at age, a career break at age for how long\]. Show the year-by-year path with and without them. [Use ChatGPT with Candor](https://candor.money/connect/chatgpt) ### For Claude I want to see where my net worth is headed. My numbers: age \[age\], savings and investments $\[amount\], home value $\[amount\], debts $\[amount\] with $\[amount\] a month toward them, saving $\[amount\] a month. Project it year by year to \[age\] in today's dollars, then show what \[life event\] at \[age\] would change by then, as one figure. Tell me which assumption the result depends on most, and ask before assuming anything I didn't give you. [Use Claude with Candor](https://candor.money/connect/claude) ## What will the agent ask you? A good agent asks before it answers. Expect questions like these, and answer the ones that matter to you. * Which life events should the projection include, and when: a move, a home, a child, a career break, a big purchase? * How much do you actually save each month, and will that change? * Which debts do you have, at what rates, and what goes to them each month? * Should your home count in the total, or only money you could spend? * What growth rate after inflation are you willing to assume for investments, and for your home? ## What does a good answer look like? A worked example on sample data: one person, 41, with $214,800 saved and invested, a $520,000 home, $286,400 left on the mortgage, saving $2,400 a month, and thinking about a one-year sabbatical at 46. You Where is our net worth headed if I take that sabbatical? Your agent Today your net worth is $448,400\. At the $2,400 a month you have been saving, with 5% growth after inflation on investments and 1% on the home, it reaches about $2,850,200 by 65 without the sabbatical. Your agent A one-year sabbatical at 46, spending $5,500 a month from savings with nothing added, brings that to about $2,616,900, so it costs about $233,300 by 65 once you count what that money would have grown to. Two years would cost about $455,500. Your agent Saving $3,000 a month instead of $2,400 more than covers one year: about $2,926,900 by 65 with the sabbatical. I saved a page in Candor with the sabbatical on a timeline you can move, and the monthly saving you can change. Illustrative example with sample data, not a customer result. ## What does a weak answer look like? > Net worth is assets minus liabilities. If you keep saving and investing, your net worth will grow over time thanks to compound interest. A sabbatical will slow that down, so make sure you have an emergency fund first. * It never used your balances, debts, or saving, so there's no projection. * It doesn't put a figure on what the sabbatical costs by the end. * It doesn't separate the home from money you could spend. * Nothing is saved, so the next time you ask, you start over. ## Put the life events you expect on the timeline A net worth projection that ignores a planned move or a child is a projection of a life you are not living. Start from what Candor shows you own and owe and how much you actually save. Then add the events you expect, with rough costs and dates. Each one should be something you can move or switch off on the page. ### Check the answer * Keep a home or car apart from money you can spend. Both count toward net worth, but neither pays a bill. * Look at which assumption moves the result most. If small changes in growth swing the answer, treat the far years as a range. ### Choose a next step Pick the event that matters most and look at it closely with your agent. Save the plans you settle on as goals so Candor tracks them. ## Where Candor fits Your agent works through the question with you, builds the plan, and keeps you on it. Candor gives it your real accounts, exact figures, and the goals, budget, notes, and decisions from earlier sessions, in whichever agent you use. Its review raises what's worth talking through and tells your agent why. Candor is not a licensed advisor and gives no advice; your agent does the advising, and the decisions are yours. * Candor connects to banks read-only and cannot move money. * Candor never sells your financial data or trains models on it, and you can export or delete it. * Every agent read and change is recorded with its reason. [Start free→](https://app.candor.money/signup)[Connect your agent](https://candor.money/connect) ## Common questions How do I project my net worth? Start from what you own (savings, investments, and your home) minus what you owe. Each year, grow investments and the home at an assumed rate, add what you save, and pay down debts at their rates. With growth after inflation, every figure stays in today's dollars, which makes the far end easier to read. What growth rate should I use? For investments, use a rate after inflation. In the historical data William Bengen used for his 1994 study, a mix of 60% stocks and 40% intermediate-term Treasuries returned about 8.2% a year compounded, close to 5.1% after inflation. Cash earns less. The Federal Reserve aims for 2% inflation over the longer run. Try a lower rate and see how much the end moves. How does buying a home change my net worth? On the day you buy, the down payment moves from savings into home equity, and closing costs leave. After that, equity grows as the home's value rises and the loan is paid down, while what owning costs beyond your housing today comes out of what you save. The calculator shows that net effect at the end as one figure. How much does a career break cost? More than the months of spending. While you are not earning, savings pay your costs and nothing is added, and the money spent no longer grows. In the example, a year at $5,500 a month costs about $233,300 by 65, several times the $66,000 spent. Should my home count in my net worth? It counts in net worth, but you cannot spend it without selling or borrowing against it. That is why the calculator shows savings and investments separately from your home's value. Does Candor work this out from my accounts? Your agent does, from your records in Candor. It reads your balances, debts, and what you saved each month, asks which life events to include, and builds this page in Candor with each event on a timeline you can move and the assumptions labeled. Candor gives no advice; your agent works through it with you. Candor connects to banks read-only and cannot move money. ## Sources 1. [Determining Withdrawal Rates Using Historical Data, William P. Bengen](https://www.financialplanningassociation.org/sites/default/files/2021-04/MAR04%20Determining%20Withdrawal%20Rates%20Using%20Historical%20Data.pdf) Journal of Financial Planning (Financial Planning Association) 2. [Why does the Federal Reserve aim for inflation of 2 percent over the longer run?](https://www.federalreserve.gov/faqs/economy%5F14400.htm) Board of Governors of the Federal Reserve System, August 22, 2025 ## Keep exploring. [Looking aheadWhat would this change do to our money?Try any change you are weighing, from a parent moving in to daycare starting, on your real numbers.One-time review](https://candor.money/explore/life-change-what-if)[Looking aheadWhen could I retire?A page that projects your savings, debts, and income through retirement, with a date you can move.One-time or quarterlyCalculator](https://candor.money/explore/retirement-date)[Looking aheadHow much of our home do we actually own?Your home's value, the mortgage left, and how your equity grows as you pay it down.One-time review](https://candor.money/explore/home-equity) ## Ask it with your own numbers. Set up Candor, then send this to the agent you already use. It answers from your real records and keeps the plan for next time. [Start free→](https://app.candor.money/signup)[Connect your agent](https://candor.money/connect)