This calculator turns a starting pot, one or two salaries, a single rate of tax on income, and living costs into a year-by-year net worth path. Set the horizon from 10 to 50 years. Three return rates run at once (4%, 8% and 15%). The headline figure is the 8% case.
Households that want a clear accumulation picture without creating an account or uploading a file. It is written for dual-income households in Asia Pacific as well as elsewhere. Most free calculators assume a United States tax wrapper and a single earner. This one does not.
Nothing is stored. The numbers live in this page until you close it. You can export a CSV of the table. This is a planning illustration, not financial, tax, or investment advice.
Three return paths are projected at once. The headline figure is always the Moderate case. The chips show or hide lines on the chart and columns in the table. Single rate replaces the three paths with one figure you set.
This takes a share of salary before any of it can be saved. It is not a tax on investment growth.
Tax on income is a single effective rate you set, applied to gross household income. What remains after living costs is added to the pot at year end, or drawn from it if spending is higher. That cash flow starts compounding the following year. Salary growth compounds from each earner's start year. Child cost is per child, multiplied by the number of children and adjusted for lifestyle inflation.
Tax on investment growth, index overlays, and an inflation-adjusted view sit in a fuller edition for APAC Signal subscribers.
This calculator is a sibling of the free APAC go-to-market country scorecard. Further notes on investing from an operator's seat sit in Insights.
The 4%, 8% and 15% paths are rounded illustrations sitting between published long-run series, not a rate anyone is promised. Single rate lets you type your own figure.
The chart compounds a steady rate each year. It does not model sequence risk: the order of good and bad years, which is what actually hurts in a drawdown.
Fees are not modelled.
The earlier version omitted the first year's savings and the first year's return on starting assets. Later balances were therefore understated by the compounded effect of both. The cash-flow rows were unchanged.