Personal Budget & Net Worth Growth Simulator

Monthly Budget

Monthly income $5,000

Savings rate 15%

Expected annual return 6.0%

Extra debt payment/mo $100

Time horizon 25 yr

Results

Net worth (invested savings) Remaining debt ($9,000 @ 22% APR)

Net worth at horizon

Total contributed

Growth earned

Debt payoff

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How it works

Each month a fixed slice of income is invested and compounds at the expected annual return. The future value of a monthly contribution stream is the classic ordinary-annuity formula:

r = annualReturn / 12          (monthly rate)
FV(n) = FV(n-1)·(1+r) + contribution
Net worth after Y years = FV(12·Y)

The debt tower uses standard loan amortization: interest accrues on the balance every month, then the payment (a fixed base payment plus your extra-payment slider) is subtracted:

balance(n) = balance(n-1)·(1+APR/12) − payment
Payoff month = first n where balance(n) ≤ 0

Income / Savings rate — set the monthly contribution invested toward net worth.
Expected return — the compounding rate applied to that investment.
Extra debt payment — money added on top of a fixed base payment to accelerate payoff of a $9,000, 22% APR balance.
Time horizon — how many years the skyline extends; each green bar is one year's net worth, each red bar that year's remaining debt.

This is the same compound-growth and amortization math behind every real budgeting app — small changes to the savings rate or an extra debt payment compound into very different long-run outcomes.

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