Meet the Future Net Worth Simulator — Spend vs Invest
See two side-by-side projections using the real future-value-of-an-annuity compound interest formula: keep spending that money each month.
- Free to use
- No signup
- Nothing to install
- Runs in your browser
$2,000 saved, $400/month invested at 7%/year for 20 years grows to roughly $210,000, versus the $2,000 alone if never invested.Open the Future Net Worth Simulator — Spend vs Invest
Illustration. Open the tool for the real thing.
See it in action
The Future Net Worth Simulator — Spend vs Invest with sample data entered and the result showing.
What is the Future Net Worth Simulator — Spend vs Invest?
Enter your current savings, a number of years to project, a monthly amount you currently spend, the amount you'd invest instead, and an assumed annual return rate. This tool runs the standard future-value-of-an-annuity compound interest formula, compounded monthly, to show two real side-by-side paths: your money left as-is versus invested.
The assumed return rate is clearly labeled and adjustable — this is an illustrative projection based on a stated assumption, not a guarantee, and is not investment advice.
3 steps to your result
Open the tool and follow along. Nothing to install.
What you get
Standard future-value-of-an-annuity math, compounded monthly.
Spend vs invest, both shown with their totals.
Change the rate to model different scenarios.
The formula and assumption are stated plainly.
AZRS tools are free to open and use.
It opens in your browser, so there is nothing to download.
Used for
Pick one to see how it fits.
Anyone deciding whether to start investing
See the real math behind consistent investing.
Try it freeHow it compares
A plain look at this tool next to the usual alternative.
| This fun tool | Desktop software | |
|---|---|---|
| Install | Nothing to install | Usually an app or program to install |
| Account | No signup | Depends on the product |
| Cost | Free to use | Free or paid, depends on the product |
| Where it runs | In your browser tab | On your computer |
Questions people ask
Is the projected return guaranteed?
No, it's based on the annual return rate you assume; real investment returns vary and are not guaranteed.
What formula does this use?
The standard future value of a monthly annuity plus compounded principal, compounded monthly at your assumed annual rate.
Does this account for inflation?
No, it's a nominal projection; consider using a lower 'real' return rate to roughly account for inflation.
Is this investment advice?
No, it's an illustrative calculator, not personalized investment, tax or financial advice.
Can I model $0 monthly investment?
Yes, that shows how your current savings alone would grow with no further contribution.
More free tools
Related to the Future Net Worth Simulator — Spend vs Invest.
Try the Future Net Worth Simulator — Spend vs Invest now
Compare two real compound-interest projections: keep spending vs start investing. Free to use.
Try it free