Project your net worth over time. Compare optimistic and pessimistic scenarios, see the real impact of inflation, and track how your percentile evolves.
Current net worth €250,000
€
Annual savings €12,000
€
Optimistic return/yr
8%
0%MSCI World ~8-10%20%
Neutral return/yr
5%
-5%60/40 portfolio ~5%15%
Pessimistic return/yr
2%
-5%Bonds/savings ~2%15%
Inflation rate/yr
2.5%
0%ECB target 2%10%
Time horizon
Net worth projection
Optimistic
Neutral
Pessimistic
Real (inflation-adj.)
Shaded area = purchasing power lost to inflation
? Inflation impact
Optimistic — global
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—
Neutral — global
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Pessimistic — global
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Methodology
Compound interest model: W? = (W0 + S/r) × (1+r)n - S/r. Inflation adjustment using CPI deflator. Global wealth percentiles from UBS Global Wealth Databook 2023. Past returns do not guarantee future results. This simulator is for educational purposes only.