Lewis' Wealth Calculator
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Visit InvestmentMoats.com (click here) to find out how to build your wealth
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Wealth Building helps you answer some of the questions an individual or a couple have when planning to build wealth for their retirement or to reach financial flexibility. They help to answer the following questions:
1) Does starting to build wealth younger help me build greater wealth? How much more?
2) Should I allocate more funding to building wealth at the start of my career? Whats the impact?
3) What if I cannot allocate so much to building wealth? What are my alternatives?
4) Would taking on more jobs on the side help my situation?
5) How different rate of return, risks impact my wealth building goals
6) I want a realistic view of my wealth X number of years later

To use this: Have a Google Account, Login to it. Go to File > Make a Copy... There! You can start having fun with it. No need to ask me to share it.
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Legend
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Cells you need to enter value
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Cells spreadsheet auto-calculates for you. Do not enter values into blue cells!
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Time Frame
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Starting Year2015Year to start visualizing wealth building
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Starting Age36Age when weatlh building starts
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Years to build wealth29Number of years to visualize. You can do a 40 year project or a 10 year near term visualization
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Ending Age65
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Your Main Salary
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Monthly Component$5,500.00Salary are usually paid to you monthly. If your salary is weekly, aggregate it. If your salary is ad-hoc, you may want to use the last 12 months salary and take the average. This amount is before tax.
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Additional Component$10,000.00Bonus, performance and other benefits enjoyed that may be not always permanent
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Annual Gross Total$76,000.00Aggregate gross of your monthly & additional compnent
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Growth Rate3.00%Over time, through experience & switching jobs, your salary will grow. Apply a long term salary growth rate. Conservative figures are 2-5%.
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Tax Rate20.00%Salary are taxable or partially channelled to forced government scheme. We are more concerned about planning for disposable income, so specify a tax rate applicable.
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Side Jobs / Overtime / Temp Work
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Monthly Component$0.00You may work ideas that generate income, overtime that is not permanent, a second job or temp assignment that brings in more income. Apply a monthly figure here.
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Additional Component$0.00If your side job income is little per year or not recurring, you may apply a one time figure here.
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Gross Total$0.00
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Growth Rate0.00%Side jobs may not grow over time, but if your part time endeavor is expected to grow overtime do apply a growth rate here.
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Tax Rate0.00%Side jobs may be subjected to tax as well.
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Income Growth Rate
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Main + Side Jobs3.00%Depending on the proportion of Main Salary to Side Jobs, this growth rate will be automatially calculated.
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Funding your Wealth Building
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Initial Investment$20,000.00You may have some investments, cash that you would like to classify as your wealth fund to be part of this projection as well. This is where you enter them
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First Year Wealth Funding %20.00%Most decide on either a fix amount to be channel to wealth building (e.g. $500 or $1000) or a %. Here, we use % and you apply the first year funding from your disposable income boxed out for wealth building.
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Increment Wealth Funding as a % of Main Salary Growth Rate70.00%As you received increments in income from salary and side jobs, you can channel a certain % of it to add to your first year wealth funding contribution. This is capped by your Income Growth Rate (meaning your additional funding cannot be more than how fast your income grows) E.g. if your Income growth rate is 4% and you apply 50% here, you will contribute 2% per year additional to last year's contribution. Overtime your wealth funding contribution will increase (E.g. 2% + 2% + 2% .....)
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Increment Wealth Funding %2.10%The incremental funding is calculated for you
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Wealth CAGR3.00%You specify a long term compounded average growth rate for the funds you channel to wealth building. This will depend on the assets that you use to build wealth. If you put it in fixed deposit, and expect it to grow at 2% over time, specify 2%. Advice here is to have quantifable data or just be conservative to avoid unreasonable estimates.
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Wealth Summary
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Total Wealth Funding after 29 years$1,062,914.26Within the years specified, you have funnel this amount to wealth building
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Total Wealth Built after 29 years$1,496,330.12At the last year, you have build this amount of wealth
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Total Returns Earned (%)40.78%The value add from channelling funding to higher yielding assets
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Annual Main SalaryAnnual Main Salary (Aft Tax)Annual Side JobAnnual Side Job (Aft Tax)Annual Total (Main + Side)Wealth Funding (1st Yr)Wealth Funding (Increment)Wealth Funding (Yrly Total)Wealth Funding (Cumulative)Wealth Networth (Yrly Total)Leftover for Spending AllocationWealth Funding as a % of Annual Total (Main + Side)YearAge
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$20,000.00$20,000.00
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$76,000.00$60,800.00$0.00$0.00$60,800.00$12,160.00$0.00$12,160.00$32,160.00$32,760.00$48,640.0020.00%1201536
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$78,280.00$62,624.00$0.00$0.00$62,624.00$12,160.00$1,276.80$13,436.80$45,596.80$47,179.60$49,187.2021.46%2201637
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$80,628.40$64,502.72$0.00$0.00$64,502.72$12,160.00$1,315.10$14,751.90$60,348.70$63,346.89$49,750.8222.87%3201738
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$83,047.25$66,437.80$0.00$0.00$66,437.80$12,160.00$1,354.56$16,106.46$76,455.17$81,353.76$50,331.3424.24%4201839
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$85,538.67$68,430.94$0.00$0.00$68,430.94$12,160.00$1,395.19$17,501.65$93,956.82$101,296.03$50,929.2825.58%5201940
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$88,104.83$70,483.86$0.00$0.00$70,483.86$12,160.00$1,437.05$18,938.70$112,895.52$123,273.61$51,545.1626.87%6202041
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$90,747.97$72,598.38$0.00$0.00$72,598.38$12,160.00$1,480.16$20,418.87$133,314.39$147,390.69$52,179.5128.13%7202142
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$93,470.41$74,776.33$0.00$0.00$74,776.33$12,160.00$1,524.57$21,943.43$155,257.82$173,755.84$52,832.9029.35%8202243
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$96,274.53$77,019.62$0.00$0.00$77,019.62$12,160.00$1,570.30$23,513.73$178,771.56$202,482.25$53,505.8930.53%9202344
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$99,162.76$79,330.21$0.00$0.00$79,330.21$12,160.00$1,617.41$25,131.15$203,902.70$233,687.86$54,199.0631.68%10202445
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$102,137.64$81,710.12$0.00$0.00$81,710.12$12,160.00$1,665.93$26,797.08$230,699.78$267,495.58$54,913.0332.80%11202546
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$105,201.77$84,161.42$0.00$0.00$84,161.42$12,160.00$1,715.91$28,512.99$259,212.78$304,033.44$55,648.4333.88%12202647
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$108,357.83$86,686.26$0.00$0.00$86,686.26$12,160.00$1,767.39$30,280.38$289,493.16$343,434.83$56,405.8834.93%13202748
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$111,608.56$89,286.85$0.00$0.00$89,286.85$12,160.00$1,820.41$32,100.79$321,593.96$385,838.67$57,186.0535.95%14202849
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$114,956.82$91,965.46$0.00$0.00$91,965.46$12,160.00$1,875.02$33,975.82$355,569.78$431,389.65$57,989.6436.94%15202950
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$118,405.52$94,724.42$0.00$0.00$94,724.42$12,160.00$1,931.27$35,907.09$391,476.87$480,238.43$58,817.3337.91%16203051
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$121,957.69$97,566.15$0.00$0.00$97,566.15$12,160.00$1,989.21$37,896.31$429,373.17$532,541.89$59,669.8538.84%17203152
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$125,616.42$100,493.14$0.00$0.00$100,493.14$12,160.00$2,048.89$39,945.20$469,318.37$588,463.34$60,547.9439.75%18203253
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$129,384.91$103,507.93$0.00$0.00$103,507.93$12,160.00$2,110.36$42,055.55$511,373.92$648,172.79$61,452.3840.63%19203354
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$133,266.46$106,613.17$0.00$0.00$106,613.17$12,160.00$2,173.67$44,229.22$555,603.14$711,847.19$62,383.9541.49%20203455
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$137,264.45$109,811.56$0.00$0.00$109,811.56$12,160.00$2,238.88$46,468.09$602,071.23$779,670.70$63,343.4742.32%21203556
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$141,382.39$113,105.91$0.00$0.00$113,105.91$12,160.00$2,306.04$48,774.14$650,845.37$851,834.96$64,331.7743.12%22203657
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$145,623.86$116,499.09$0.00$0.00$116,499.09$12,160.00$2,375.22$51,149.36$701,994.73$928,539.37$65,349.7343.91%23203758
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$149,992.57$119,994.06$0.00$0.00$119,994.06$12,160.00$2,446.48$53,595.84$755,590.57$1,009,991.39$66,398.2244.67%24203859
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$154,492.35$123,593.88$0.00$0.00$123,593.88$12,160.00$2,519.88$56,115.72$811,706.29$1,096,406.85$67,478.1645.40%25203960
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$159,127.12$127,301.70$0.00$0.00$127,301.70$12,160.00$2,595.47$58,711.19$870,417.48$1,188,010.25$68,590.5146.12%26204061
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$163,900.94$131,120.75$0.00$0.00$131,120.75$12,160.00$2,673.34$61,384.52$931,802.00$1,285,035.08$69,736.2246.82%27204162
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$168,817.96$135,054.37$0.00$0.00$135,054.37$12,160.00$2,753.54$64,138.06$995,940.06$1,387,724.19$70,916.3147.49%28204263
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$173,882.50$139,106.00$0.00$0.00$139,106.00$12,160.00$2,836.14$66,974.20$1,062,914.26$1,496,330.12$72,131.8048.15%29204364
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