Annual Money Review Calculator (year-end savings rate & net worth)

How it works

Saved = take-home income − spending. Savings rate = saved ÷ take-home income. Change in net worth = net worth now − net worth at the start (net worth = everything you own − everything you owe). The part of that change not explained by saving comes from investment gains or losses, changes in asset values and debt, gifts or one-off items. Months covered = net worth ÷ average monthly spending — how long you could live on your net worth at this year’s pace.

⚠ Estimates for information only — not financial advice.

FAQ

Where do I find my yearly totals?

Bank and card statements or your budgeting app usually give yearly totals. For net worth add up account balances, investments and property values and subtract loans and card balances.

Why is my net-worth change different from what I saved?

Investments and property go up or down in value, and loan repayments move money from cash to lower debt. The calculator shows that difference on its own row.

Checked 11 Nov 2026. Personal-finance definitions: savings rate = (income − spending) ÷ income; net worth = assets − liabilities. No external figures are used.