Personal Wealth Estimator


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What are you worth today? What will you be worth in the future?

America Saves "Personal Wealth Estimator" is a two-part financial calculator. In the first part, you can determine your current net worth. If you wish, you can then proceed to the second part of the Estimator to determine your future net worth, based on assumptions that you make about additional savings, interest rates, rates of return, and other factors.

PLEASE READ THIS: Keep in mind that the Estimator is just that. Unknowable stock yields and other variable factors mean that future net worth calculations are only estimates.

YOUR PRIVACY: We respect your privacy.The Personal Wealth Estimator will not store or otherwise collect any personal information about you. It puts no cookie on your computer. Since no information is being collected that is personally tied to you, there is nothing that can be sold or otherwise exchanged with a third party. In any event, such an exchange of information would violate our Privacy Policy. For more information about our Policy, click here.

PART 1: ESTIMATING YOUR CURRENT NET WORTH

Please supply the following information in order to estimate your current net worth:

FINANCIAL ASSETS
Bank/Credit Union Checking and/or Savings Accounts (current balances) $
Certificates of Deposits (CDs) and U.S. Savings Bonds (current balances) $
IRAs (current balances/assets) $
Stocks/Mutual Funds (current assets) $
Retirement Plan -- 401k, 403b, STRS, profit-sharing (current assets) $
Life Insurance - whole, variable and universal (current cash value) $
NON-FINANCIAL ASSETS
House(s)/Other Real Estate (current market value) $
Car(s)/Truck(s)/Recreation Vehicle (s) (current value) $
Other - boats, motorcycles, furniture, appliance, collectibles (current value) $
DEBTS
Installment - auto, furniture, appliance (combined balances owed) $
Credit Cards (combined balances owed) $
First Home Mortgage (remaining principal owed) $
Second Mortgage/Home Equity Loan (amount owed) $
Loans from Retirement Plan (combined balances owed) $
Other Debts (combined amounts owed) $


Click here to calculate Your Current Net Worth

Click here to proceed to Part 2: Calculating Your Future Net Worth

Understanding the Calculations...


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Welcome to Part 2 of the America Saves Personal Wealth Estimator. You already have calculated your current net worth. Now, you can proceed to estimate your future net worth, based on assumptions that you make about additional contributions, interest rates, rates of return, and other factors.

The first step is to determine how far into the future you want to project your net worth. Please select the number of years for the Personal Wealth Estimator:

Please supply the following information in order to estimate your future net worth:

FINANCIAL ASSETS

Bank/Credit Union Checking and/or Savings Accounts
 
Your current balances (from Part 1) $
How much do you plan to contribute each year to these accounts? $
What rate of interest do you expect to earn on these accounts?   
Accumulated Value for $

Certificates of Deposits (CDs) and/or U.S. Savings Bonds
Your current balances (from Part 1) $
How much do you plan to contribute each year to these accounts? $
What rate of interest do you expect to earn on these accounts?   
Accumulated Value for $

IRAs
Your current balances/assets (from Part 1) $
How much do you plan to contribute each year to these accounts? $
What rate of interest (or rate of return) do you expect to earn on these accounts?   
Accumulated Value for $

Stocks/Mutual Funds
Your current assets (from Part 1) $
How much do you plan to contribute each year to your portfolio? $
What rate of return do you expect to earn on these investments?   
Accumulated Value for $

Retirement Plan — 401k, 403b, STRS, profit-sharing
Your current assets (from Part 1) $
How much do you plan to contribute each year to your plan? $
What rate of return do you expect to earn on your plan?   
Accumulated Value for $

Life Insurance — whole, variable and universal
Your current cash value (from Part 1) $
How much will you pay each year on your insurance policy(ies)? $
What yield will your insurance policies pay?   
Accumulated Value for $
NON-FINANCIAL ASSETS

House(s)/Other Real Estate
Current net home/other real estate equity (from Part 1) $
Interest rate (for example, enter 6.25 for 6.25%)   
Monthly payment $
How much do you think your property will appreciate in an average year?   
Accumulated Value for $

Car(s)/Truck(s)/Recreation Vehicle(s)
Current market value (from Part 1) $
How much do you expect your vehicles to be worth in $

Other — boats, motorcycles, furniture, appliance, collectibles
Your current value (from Part 1) $
How much do you expect these items to be worth in $
DEBTS

Installment — auto, furniture, appliance
Your current installment loan debt (from Part 1) $
How much do you expect to owe on your installment loan debt in $

Credit Cards
Your current credit card debt (from Part 1) $
How much do you expect to owe on your credit card debt in $

Second Mortgage/Home Equity Loan
Your current second mortgage/home equity debt (from Part 1) $
How much do you expect to owe on your second mortgage/home equity
debt in
$

Loans From Retirement Plan
Your current retirement plan loan debts (from Part 1) $
How much do you expect to owe on your retirement plan loan debts in $

Other Debts
Your other current debts (from Part 1) $
How much do you expect to owe on your other debts in $
Click here to calculate Your Future Net Worth
Your Future Net Worth in
Click here to change the number of years for your future net worth calculation
Understanding the Calculations...

Tip of the Day

  • Written by Katie Bryan | November 18, 2013

    Save for #presents rather than relying on #credit http://ow.ly/pV4nN

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