Annual Financial Review Calculator

Year-end financial scorecard tracking net worth change, savings rate, and projecting next year.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Net worth (start of year)

Net worth (end of year)

Annual gross income ($)

Total saved this year ($)

Debt paid down ($)

Tab to move between fields

Results

Net worth change ($)

$15,000.00

≈ 8 gaming PCs

Net worth growth (%)15%

Savings rate (%)16%

Financial health score (0-100)80

Projected net worth next year ($)$132,250.00

Monthly avg saved ($)$1,000.00

How to Use This Calculator

Enter your net worth at the start and end of the year.
Set your annual gross income and total amount saved during the year.
Enter the total principal debt paid down during the year.
Review net worth change, net worth growth percentage, savings rate, and your financial health score.
Use the projected next year net worth to set a growth target for the coming year.

How the result changes with Net worth (end of year)

Net worth (end of year)	Net worth change ($)
100,000,000	$99,900,000.00
350,000,000	$349,900,000.00
650,000,000	$649,900,000.00
900,000,000	$899,900,000.00

What each input means

Net worth (start of year): Your net worth at the beginning of the year.
Net worth (end of year): Your net worth at year-end.
Annual gross income ($): Total gross income for the year.
Total saved this year ($): Total amount added to savings and investments.
Debt paid down ($): Total principal debt reduction this year.

What each result means

Net worth change ($): Dollar change in net worth.
Net worth growth (%): Percentage change in net worth.
Savings rate (%): Percentage of income saved (target 20%+).
Financial health score (0-100): Composite financial health rating.
Projected net worth next year ($): Net worth if growth rate continues.
Monthly avg saved ($): Average monthly savings.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Net worth (start of year) = 100000, Net worth (end of year) = 115000, Annual gross income ($) = 75000, Total saved this year ($) = 12000 = 5 input(s) provided
Calculate Net worth change
Net worth change = netWorthEnd - netWorthStart
15000 = $15,000
Calculate Net worth growth
Net worth growth
15 = 15%
Calculate Savings rate
Savings rate
16 = 16%

Engine last updated July 28, 2026. Checked against 2 independently-derived tests — how we verify calculators.

The questions that sit next to this one — chosen by subject, including calculators filed under a different category.

Zero Budget Advanced

Financial Snapshot Dashboard Calculator

Net worth and savings rate snapshot.

Zero-Budget Planning

Savings Rate Maximizer

Calculate your maximum achievable savings rate and estimate years to financial independence at your current pace.

Financial Literacy

Financial Ratios Dashboard Calculator

Get a comprehensive personal finance health check. Calculate savings rate, debt-to-income, emergency fund coverage, net worth, and financial independence progress.

Cash Flow Management

Pay Yourself First

Calculate your automatic savings transfers before bills and spending. Set targets for emergency fund, retirement, and other goals, then see what remains.

Soil Health

Soil Health Scorecard Calculator

Generate a composite soil health score from organic matter, aggregate stability, respiration, pH, and active carbon indicators.