Net Worth Growth Rate

Track your annual net worth growth and see whether gains are coming from your savings discipline or market tailwinds.

Starting Point

Net Worth — Year Start ($)

Net Worth — Year End ($)

What Drove the Change

You Saved/Contributed ($)

Income (for savings rate)

Annual Net Worth Growth

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What Drove Your Growth

From Your Savings—

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From Market Returns—

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Contribution Breakdown

Your savings rate is — of income. Savings discipline compounds predictably; market returns are gravy.

Net Worth Growth Rate Calculator

The Net Worth Growth Rate Calculator answers a question most people never stop to ask: of the money your net worth gained this year, how much came from your own savings discipline versus how much was handed to you by the market? Users enter their starting and ending net worth, how much they personally contributed, and their income for context, and the calculator computes the annual growth rate, the absolute dollar change, and a clean split between savings-driven and market-driven gains. Two progress bars visualize the mix side by side, with a horizontal bar chart reinforcing which lever did the heavy lifting. In strong market years, the split can flatter users into thinking they are saving more than they really are; in down years, it reveals how much of their progress depends on habits they actually control. It is the calculator that separates skill from luck and helps users spot whether their net worth growth is built on a foundation they can repeat or on a tailwind that could just as easily reverse.