Product update
Net worth projection, and what else is new in Analytics
NetWorthTrackr now projects your net worth forward from your own history, and lets you try "what if I saved this much" in the same card. It is for anyone who updates their balances monthly and wants to know where that is heading, not just where it is. The rest of Analytics got new cards too: next milestone, a month-by-month heatmap, dips and recoveries, a debt-free date and a currency what-if.
Why we built it
A net worth chart tells you where you have been. The question people actually ask is where they are going: when will I reach the next round number, when is the mortgage gone, what happens if I save more. Those answers were already in your history; the old Analytics screens just did not show them. We also removed cards that looked clever but did not help, like a volatility score and a table of drawdowns.
How the projection works
Open Analytics > Performance. The first card has two tabs.
Your trend carries your average monthly change from the last 24 months forward, 1, 5 or 10 years. The shaded band runs from a cautious to a strong outcome and is wider when your months swing more. It needs 12 months of balances before it appears, because fewer than that cannot tell a trend from one lucky month. Until then you see a ring counting the months.
What if works from day one. Type how much you add each month and a yearly growth rate, and the chart splits the result into what you put in and the growth earned on it. Drag across the chart to read any month.
Both are guides, not forecasts. If you want to play with the maths without an account, the compound interest calculator does the same sum.
Everything new, screen by screen
| Tab | Card | What it tells you |
|---|---|---|
| Performance | Projection | Where your trend leads in 1, 5 or 10 years, and a what-if |
| Performance | Next milestone | The next round number and roughly when you reach it at your pace |
| Performance | Average month, best and worst month | Your typical monthly change over the last year |
| Performance | Month by month | A heatmap of every month, so a bad one stands out in context |
| Performance | Year by year | How much each calendar year added |
| Performance | Deepest dip, back in | Your biggest fall from a peak and how long it took to recover |
| Performance | Rolling returns | Change over the last 1, 3, 6 and 12 months |
| Categories | Mix over time | How the share of property, cash, investments and the rest has shifted |
| Categories | Debt-free | When your debts reach zero if they keep falling at last year’s pace |
| Currency | What if a currency moves | Drag a currency up or down and see the effect on your total |
| Portfolio | Holdings map | Your holdings as blocks sized by value, top 10 plus the rest |
| Monthly | Year so far | What this year has added, how many months were up, and the best one |
What it does not do yet
- Rolling returns and the projection measure your whole net worth, including money you added. They are not investment returns.
- The projection does not model inflation, tax or a change in income. It assumes the next years look like the last two.
- The debt-free date skips debts that have not been falling, such as a credit card you pay off and use again each month. It names them instead.
- The public demo only opens the Monthly tab. To see the projection on your own numbers, create a free account and add a few months of balances.
Common questions
Open Analytics, then Performance. The first card is the projection. Your trend appears once you have 12 months of balances; What if works straight away.
It takes your average monthly change over up to the last 24 months and carries it forward. The band around it widens when your months vary more. It is a guide, not a forecast.
With fewer months, one bonus or one market drop dominates the average, and the line would mislead more than it helps. A ring on the card shows how many months are left.
No. They show how your total net worth changed, so savings you added count as growth. For performance of your holdings alone, use the Portfolio tab.
No. Every Analytics screen is free, like the rest of NetWorthTrackr.