Net Worth Tracker

On this page we’ll be posting net worth updates. There are many different ways to calculate net worth, and controversy about what should be included and what should be left out. The exact items you include or don’t include don’t matter, as long as you are consistent from month to month so that you can see the changes over time.

In the graph above we have the net worth for all the months that we’ve been tracking monthly. The black lines look like a fit but are actually a prediction that we made way back at the beginning of 2015 for how we’d be doing. Looks like it wasn’t too bad of a prediction so far! The projection for next year includes expected big expenses as well as our targeted monthly savings and an estimated stock market return of 7.5%. Thanks to the major stock market boost at the end of 2016, we are pretty much bang-on what we predicted for this year.

The projection is inflation adjusted with an estimated inflation of 2.5%. So, that estimated $913k at the end of 2017 is in 2017 dollars, not today dollars. I’m not sure if you find that confusing (I do!), but it makes for a more fair comparison over time. The reason is if you are aiming for a certain about of dollars to retire, you want to know the amount at your retirement date, not what that amount is worth right now. Want a million dollars to retire? It makes a dig difference whether that’s $1,000,000 in 2016 or $1,000,000 in 2026 – about 20%!

July 1st, 2017

Net Worth = $864,781 ($17,927 / 2.1% vs May 2017)

Assets
CategoryAmountChange from last month
Cash$6,823-$36,740 (-84.3%)
Roth IRA$53,645+$357 (+0.7%)
403b$149,793.95+$4,999 (+3.5%)
457b$117,693+$4,904 (+4.3%)
Taxable Investments$437,768+$41,930 (+10.6%)
Property$450,000--
Total Assets$1,217,556 $17,283 (+1.4%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$4,079+$90 (-2.2%)
Mortgage-$348,696
+$555 (-0.16%)
Total Liabilities-$352,775
+$644 (-0.2%)

May 31st, 2017

Net Worth = $846,854 ($20,943 / 2.5% vs April 2017)

Assets
CategoryAmountChange from last month
Cash$43,564+$4,944 (+12.8%)
Roth IRA$53,287$620 (+1.2%)
403b$144,795+$6,394 (+4.6%)
457b$112,790+$4,991 (+4.6%)
Taxable Investments$395,838+$5,280 (+1.4%)
Property$450,000.00--
Total Assets$1,120,273 $22,229 (+1.9%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$4,169-$1,839 (+78.9%)
Mortgage-$349,251
+$553 (-0.16%)
Total Liabilities-$353,420
-$1,286 (+2.54%)

April 28th, 2017

Net Worth = $825,910.46 ($24,684.85 / 3.1% vs March 2017)

Assets
CategoryAmountChange from last month
Cash$38,620.12+$7,195.45 (+22.9%)
Roth IRA$52,666.69$789.26 (+1.5%)
403b$138,400.53+$6,617.82 (+5.0%)
457b$107,798.73+$4,191.89 (+4.0%)
Taxable Investments$390,558.16+$5,358.29 (+1.4%)
Property$450,000.00--
Total Assets$1,178,044.23 $24,152.71 (+2.1%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$2,329.93-$19.01 (+0.82%)
Mortgage-$349,803.84
+$551.15 (-0.16%)
Total Liabilities-$352,133.77
+$532.14 (-0.15%)

April 1st, 2017

Our investments fumbled a little bit in March so I was surprised to see the final numbers here. A huge part of the increase in our net worth this month was the massive federal tax refund we got of over $16k, partially thanks to that Vanguard Charitable contribution we made last year. Normally a big tax refund isn’t something to celebrate, it means you need to take a closer look at your withholding!

Net Worth = $801,225.61 ($33,530.50 / 4.4% vs February 2017)

Assets
CategoryAmountChange from last month
Cash$31,424.67+$19,389.13 (+161.1%)
Roth IRA$51,877.43-$225.24 (-0.4%)
403b$131,782.71+$6,811.20 (+5.5%)
457b$103,606.84+$4,265.75 (+4.3%)
Taxable Investments$385,199.87+$2,508.62 (+0.7%)
Property$450,000.00--
Total Assets$1,153,891.52 $32,749.46 (+2.9%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$2,310.92+$231.72 (-9.1%)
Mortgage-$350,354.99
+$549.32 (-0.16%)
Total Liabilities-$352,665.91
+$781.04 (-0.22%)

March 1st, 2017

Net Worth = $767,695.11 ($32,847.77 / 4.5% vs January 2017)

Assets
CategoryAmountChange from last month
Cash$12,035.54+$4,557.26 (+60.9%)
Roth IRA$52,101.67+$1,798.34 (+3.6%)
403b$124,971.51+$10,576.20 (+9.2%)
457b$99,341.09+$7,159.39 (+7.8%)
Taxable Investments$382,691.25+$9,232.35 (+2.5%)
Property$450,000.00--
Total Assets$1,121,142.06 $33,323.54 (+3.1%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$2,542.64-$1,023.26 (+67.3%)
Mortgage-$350,904.31
+$547.49 (-0.16%)
Total Liabilities-$353,446.95
-$475.77 (+0.13%)

January 29th, 2017

Well, according to the graph we are on target but I’m starting to feel a little nervous. This crazy stock market rally is not sustainable, which is why I’ve been being lame and keeping so much cash in our checking account. We finally moved it a few weeks ago. Please don’t try to time the market! (aka do as I say, not as I do). We also want to replenish our Vanguard Charitable account soon.

This month we went over 200k in our work retirement accounts and 50k in our Roth, which is a nice milestone!

Net Worth = $734,847.34 ($21,514.77 / 3.0% vs December 2016)

Assets
CategoryAmountChange from last month
Cash$7,478.28-$32,276,11 (-81.2%)
Roth IRA$50,304.33+$1,372.55 (+2.8%)
403b$114,395.31+$6,743.67 (+6.3%)
457b$92,181.70+$4,896.34 (+5.6%)
Taxable Investments$373.458.9+$38,903.11 (+11.6%)
Property$450,000.00--
Total Assets$1,087,818.52 $19,639.56 (+1.8%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$1,519.38+$1,329.53 (-46.7%)
Mortgage-$351,451.80
+$545.68 (-0.16%)
Total Liabilities-$352,971.18
+$1,875.21 (-0.53%)

December 31, 2016

We went over $700k this month! We got paid way earlier than normal because the holidays. Normally I exclude our end of the month paychecks from these, but since it was so early I left it in. May affect next month since there won’t be any paychecks included. And I don’t know why I can’t get my table colors to look right…oh well.

Net Worth = $713,332.57 ($39,034.60 / 5.8% vs November 2016)

Assets
CategoryAmountChange from last month
Cash$39,754.39+$21,414.72 (+116.8%)
Roth IRA$48,931.78+$1,059.38 (+2.2%)
403b$107,651.64+$5,696.11 (+5.6%)
457b$87,285.36+$5,141.60 (+6.3%)
Taxable Investments$334,555.79+$6,998.45 (+2.1%)
Property$450,000.00--
Total Assets$1,068,178.96 $40,310.26 (+3.9%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$2,848.91-$1,819.52 (+176.8%)
Mortgage-$351,997.38
+$543.86 (-0.15%)
Total Liabilities-$354,846.39
-$1,275.66 (+0.36%)

December 1, 2016

Net Worth = $674,297.96 ($24,930.27 / 3.8% vs October 2016)

Assets
CategoryAmountChange from last month
Cash$18,339.67+$2,961.86 (+19.2%)
Roth IRA$47,872.4+$1,078.10 (+2.3%)
403b$101,955.53$6,268.79 (+6.6%)
457b$82,143.76$6,346.30 (+8.4%)
Taxable Investments$327,557.33$6,725.95 (+2.1%)
Property$450,000.00--
Total Assets$1,027,868.69$23,381.00 (+2.3%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$1,029.39
+$1,007.22 (-49.5%)
Mortgage-$352,541.34
+$542.05 (-0.15%)
Total Liabilities-$353,570.73
+$1,549.27 (-0.44%)

October 30, 2016

Net Worth = $649,367.69 ($4,482.86 / 0.7% vs September 2016)

Assets
CategoryAmountChange from last month
Cash$15,377.81+$6,076.90 (65.3%)
Roth IRA$46,794.3-$726.95 (-1.5%)
403b$95,686.74$1,503.96 (+1.6%)
457b$75,797.46$2,048.88 (+2.8%)
Taxable Investments$320,831.38-$7,029.92 (-2.1%)
Property$450,000.00--
Total Assets$1,004,487.69
$1,872.87 (+0.2%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$2,036.61
$2,069.73 (-50.4%)
Mortgage-$353,083.39+$540.26 (-0.15%)
Total Liabilities-$355,120.00
+$2,609.99 (-0.73%)

September 29, 2016

Net Worth = $644,884.84 ($12,723.81 / 2.0% vs August 2016)

Assets
CategoryAmountChange from last month
Cash$9,300.91+$3,429.05 (58.4%)
Roth IRA$47,521.25-$32.06 (-0.1%)
403b$94,182.78$4,466.96 (+5.0%)
457b$73,748.58$2,575.12 (+3.6%)
Taxable Investments$327,861.31$1,907.64 (+0.6%)
Property$450,000.00--
Total Assets$1,002,614.83
$12,346.71 (+1.2%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$4,106.34
-$161.36 (+4.1%)
Mortgage-$353,623.65
+$538.46 (-0.15%)
Total Liabilities-$357,729.99
+$377.10 (-0.11%)

August 28, 2016

Well here’s a kick in the pants – our net worth went down this month! I’ll chalk this up to a couple of things: The last several months I’ve been doing the update after getting our paychecks, but this month the way the weekends worked out we haven’t been paid yet (net worth updates are always done before retirement contributions go in because that happens around the 5th-7th). The other reason, which you’ll see in the spending review I’ll post in a few days, is that our real estate taxes (biannual) and home insurance (annual) were both due this month, which totaled about $6,200. Sad face. But even though it’s expensive, we’re still pretty sure this home ownership thing is for us.

Net Worth = $632,161.02 ($361.80 / -0.6% vs July 2016)

Assets
CategoryAmountChange from last month
Cash$5,871.86-$11,034.15 (-65.3%)
Roth IRA$47,553.31
$297.25 (+0.6%)
403b$89,715.82$5,875.55 (+7.0%)
457b$71,173.46$1,864.09 (+2.7%)
Taxable Investments$325,953.66$1,534.91 (+0.5%)
Property$450,000.00--
Total Assets$990,268.11
$1,462.34 (-0.1%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$3,944.98
+$563.87 (-12.5%)
Mortgage-$354,162.11
+$ 536.67 (-0.15%)
Total Liabilities-$358,107.09
+$1,100.54 (-0.31%)

July 31, 2016

Net Worth = $632,522.82 ($26,098.50 / 4.3% vs June 2016)

Assets
CategoryAmountChange from last month
Cash$16,906.01$841.36 (+5.2%)
Roth IRA$47,256.05
$1,587.67 (+3.5%)
403b$83,840.27$7,674.77 (+10.1%)
457b$69,309.37$3,801.15 (+5.8%)
Taxable Investments$324,418.75$10,221.01 (+3.3%)
Property$450,000.00--
Total Assets$991,730.45
$24,125.96 (+2.5%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$4,508.85
+$1,437.65 (-24.2%)
Mortgage-$354,698.78
+$534.89 (-0.15%)
Total Liabilities-$359,207.63
+$1,972.54 (-0.55%)

July 1, 2016

Net Worth = $606,424.32 ($13,231.52 / 2.2% vs May 2016)

Assets
CategoryAmountChange from last month
Cash$16,064.65$4,984.53 (+45.0%)
Roth IRA$45,668.38
$13.80 (+0.0%)
403b$76,165.50$8,367.61 (+12.3%)
457b$65,508.22$843.88 (+1.2%)
Taxable Investments$314,197.74$155.60 (+0.0%)
Property$450,000.00--
Total Assets$967,604.49
$14,365.42 (+1.5%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$5,946.5
-$1,667.01 (+39.0%)
Mortgage-$355,233.67
-$533.11 (-0.15%)
Total Liabilities-$361,180.17
-$1,133.90 (+0.31%)

May 28, 2016

Net Worth = $593,192.80 ($14,173.55 / 2.5% vs Apr 2016)

Assets
CategoryAmountChange from last month
Cash$11,080.12$3,959.58 (+55.6%)
Roth IRA$45,654.58
$521.46 (+1.2%)
403b$67,797.89$3,676.77 (+5.7%)
457b$64,664.34$3,306.21 (+5.4%)
Taxable Investments$314,042.14$3,471.39 (+1.1%)
Property$450,000.00--
Total Assets$953,239.07
$14,935.41 (+1.6%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$4,279.49
$1,293.20 (+43.3%)
Mortgage-$355,766.78
-$531.34 (-0.15%)
Total Liabilities-$360,046.27
-$761.86 (+0.21%)

April 30, 2016

Net Worth = $579,019.25 ($30,803.20 / 5.6% vs Mar 2016)

Assets
CategoryAmountChange from last month
Cash$7,120.54$1,103.94 (+18.3%)
Roth IRA$45,133.12
$8,975.41 (+24.8%)
403b$64,121.12$8,937.17 (+16.2%)
457b$61,358.13$6,265.64 (+11.4%)
Taxable Investments$310,570.75$4,813.21 (+1.6%)
Property$450,000.00--
Total Assets$938,303.66
$30,095.37 (+3.3%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$2,986.29
-$178.26 (-5.6%)
Mortgage-$356,298.12
-$529.57 (-0.15%)
Total Liabilities-$356,827.69
-$707.83 (-0.20%)

March 27, 2016

Net Worth = $547,688.23 ($6,953.53 / 1.3% vs Feb 2016)

Assets
CategoryAmountChange from last month
Cash$6,016.60-$14,993.49 (-71.4%)
Roth IRA$36,157.71+$1,636.56 (+4.7%)
403b$55,183.95 +$7,932.35 (+16.8%)
457b$55,092.49+$5,817.59 (+11.8%)
Taxable Investments$305,757.54$5,878.06 (+2.0%)
Property$450,000.00--
Total Assets$908,208.29$6271.07(+0.7%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$3,164.55+$-682.46 (-17.7%)
Mortgage-$356,827.69 -$527.82 (-0.15%)
Total Liabilities-$360,520.06-$682.46 (-0.19%)

February 27, 2016

Net Worth = $540,734.70 ($15,904.40 / 3.0% vs Jan 2016)

Assets
CategoryAmountChange from last month
Cash$21,010.09--
Roth IRA$34,521.15--
403b$47,251.60--
457b$49,274.90--
Taxable Investments$299,879.48--
Property$450,000.00--
Total Assets$901,937.22$16,771.75 (+1.9%)
Liabilities
CategoryAmountChange from last month
Credit Cards-$3,847.01--
Mortgage-$357,355.51--
Total Liabilities-$361,202.52$867.35 (+0.2%)

 

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