Accretia

Project net worth year by year from your own assumptions and watch it compound. Runs entirely in your browser — nothing is saved or sent anywhere. Use Export / Import to keep a scenario as a file.

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Assumptions

Starting net worth

Starting invested (subset of net worth)

Recurring annual household expenses

Invested share of surplus

Bills come first — of what’s left after tax and spending, the share you actually invest. The rest stays as cash: it still counts in your net worth, but earns nothing. Only invested money compounds.

Inflation

Return (low)

Return (base)

Return (high)

Constraint: low ≤ base ≤ high. Values outside this range will fail the save-scenario validation.

NameBirth year

Retire at age (0 = never)

Career stages (1)

Careers aren’t linear — stages can model plateaus (0% raise), pay cuts (negative raise or a lower-salary stage), time off ($0-salary stage), and unpredictable pay (set a ± pay swing — partner draws, commission — and the Monte Carlo view rolls it into the bands).

Role library
Starting estimates — replace with your own figures.
LabelStarts at age
Base salary
$
Annual raise
%
Bonus (% of base)
%
Equity / RSU per year
$
Pay swing (±% · Monte Carlo)
%

Final balance · 2056

$13,589,898

$5,435,784 in today's dollars · +6869.2% over horizon

Implied savings rate (year 1): 70% of after-tax income

Pixel journey

Your projection as a tiny world — the terrain follows your real (today’s-dollar) net worth, and the landmarks are your milestones. Hover for details. Purely decorative: same numbers as the chart.

Projection · low–high band

Band = pessimistic to optimistic return. Green dots are windfall years; red dots are major-expense years.

Year by year

Estimates based on your assumptions. Not a prediction or financial advice. Career-role salaries in the role library are illustrative defaults, not market data — replace with your own figures.