My Net Worth

Your accounts · private to you

Not financial advice. A planning tool: balances are what you type in, and growth uses long-run averages while real years go up and down. Talk to a parent or a fee-only financial advisor before big moves.

Net Worth$00 accounts

Largest Allocation—Add an account to see it

Asset Allocation

How your money is distributed

Accounts

All your accounts

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Balance History

How your total has changed over time

Grow it: projection to 65

An estimate, not a promise

Every account grows at its own rate, compounding monthly, with your monthly adds (and match) going in at the end of each month. Debts shrink by their payments. Net worth = what you own − what you owe.

Estimates, not guarantees. Real returns jump around year to year; the S&P 500 fell 37% in 2008 and 18% in 2022. Averages only show up over decades, and only if you keep adding through the bad years. Numbers are in future dollars and ignore taxes and fees. This is not financial advice; talk to a parent or a fee-only advisor before big moves.

My money profile

Age Retire / freedom target age Monthly take-home pay ($) Earned income this year ($) Health plan (for HSA limit) Yearly spending in retirement ($, optional)

Earned income (wages, tips, self-employment) caps what you can put in an IRA. If you're under 18 and work, a parent can open a custodial Roth IRA for you up to what you earned.

More tools

Spending and budget

Spending

Log spending

Take-home pay this month ($)

Budget vs. spent

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Name Type

Last 12 months

This month's entries

Debts

The borrower is slave to the lender · Prov 22:7

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Name Kind Balance ($) Interest rate (APR %) Monthly payment ($)

Roth IRAs, 401(k)s and limits

Roth IRAs and all that

2026 limits · from the IRS

The account is the bucket; the investment is what's in the bucket. A Roth IRA can hold an S&P 500 fund. Pick the bucket for the tax break, then pick what goes in it.

Savings and your bank

A big-bank savings account and a high-yield savings account are both FDIC insured up to $250,000. The difference is the rate. Here's what your savings would earn in a year at each bank.

Savings balance ($)

Typical posted rates for a standard or high-yield savings account as of October 2026. Rates are variable and change often, so check your bank and type in your real APY when you add the account. Online banks pay more because they don't run branches.

Savings opportunities

Small leaks sink great ships

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Category Spend now ($/mo) Target ($/mo) Note

Where these numbers come from

Checked October 2026

The S&P 500 is set at 9% a year, a little under its long-run average, on purpose. Everything else defaults to a long-run historical average, rounded down when the recent past was unusually good. You can change any of them except the S&P 500 on your own accounts.