Project your net worth over time. Compare optimistic and pessimistic scenarios, see the real impact of inflation, and track how your percentile evolves.
Net worth projection is the process of estimating how your wealth will grow over time based on your current assets, savings rate, and expected investment returns. Unlike a simple compound interest calculator, a projection tool models multiple scenarios (optimistic, neutral, pessimistic) so you can see the range of possible outcomes.
This calculator uses historical return benchmarks for each scenario: the optimistic scenario (8-10%) reflects the long-term average of global stock markets like the MSCI World Index, the neutral scenario (5%) represents a balanced 60/40 portfolio of stocks and bonds, and the pessimistic scenario (2%) reflects conservative investments like bonds or high-yield savings accounts.
The tool also factors in inflation, which is critical because a dollar in 20 years buys less than a dollar today. At 2.5% average inflation, your purchasing power drops by roughly 40% over 20 years. The "real value" shown in the results represents what your future wealth would be worth in today's dollars.
Global wealth percentiles are estimated using data from the UBS/Credit Suisse Global Wealth Databook, which surveys wealth distribution across 5.5 billion adults worldwide. Seeing your projected percentile can help you understand not just your absolute wealth, but your relative position globally.
Related tools: Compound Interest Calculator, FIRE Calculator, Wealth Percentile Calculator