Where you are
on the path.
Track your progress and review priorities at each net-worth milestone. The tool saves your entries in your browser without sending them elsewhere.
The question it answersWhich net worth milestone am I closest to reaching next?
Rules: United States. Prices: uses the latest daily Bitcoin close in the site’s own data file, not a live quote; no price service is contacted. Privacy: runs in your browser. What you enter stays on your device unless you copy a share link, which puts your inputs in the link.
Projection, not a promise. The result follows the assumptions you enter. Real results will differ, sometimes by a lot.
What this tool assumes
- Milestones are fixed dollar net-worth guideposts ($1K, $10K, $100K, $1M, etc.).
- Your actual target depends on your retirement timeline and planned withdrawal rate.
- Bitcoin is valued at the latest daily close stored with the site unless you type your own price or open a shared link that carries one. An empty price field uses that close.
- Time to the next milestone adds your annual savings flat, with no investment growth. It is shown when it is under 50 years; otherwise the tool says it is at least 50 years away.
- Amounts cannot be negative. A negative entry is counted as $0 and flagged under the net worth total. A negative net worth shows with a minus sign.
Your numbers stay in your browser via localStorage. Not financial advice.
HOW THIS IS CALCULATED
This tool runs entirely in your browser: no data is sent to any server. Your entries are kept in this browser's local storage only: automatically as you edit a field, and again when you press Save. Clear deletes both copies.
- Assets = cash + investments + retirement accounts + (BTC amount × BTC price) + home value + other assets. Liabilities = mortgage + student loans + car loans + credit card debt + other debt. Net worth = assets − liabilities.
- Milestones are fixed at $1K, $10K, $25K, $100K, $250K, $500K, $1M, $2.5M, $5M and $10M. The next milestone is the first one above your net worth.
- Time to next milestone = (milestone − net worth) ÷ (annual savings ÷ 12) months, shown in months under 12 and in years from 12 up to 600 months (50 years). At 600 months or more the tool says it is at least 50 years away, and with no annual savings it asks for a savings figure. Savings are added flat, with no investment growth.
- Assets and liabilities are each rounded to whole dollars before net worth is taken, so net worth equals assets minus liabilities to the dollar. Figures of $1M or more show in millions to two decimals, with net worth rounded toward zero to the nearest $10,000, so for a net worth of $1M or more the net worth shown plus the amount still needed equals the milestone. Negative entries count as $0 and are flagged.
- Bitcoin share = BTC value ÷ total assets. Tiers: 0% none, above 0 and under 5% conservative, 5 to under 15% moderate, 15 to under 40% high conviction, 40% or more Bitcoin-first.
The BTC price field fills in with the latest Coin Metrics daily reference price stored with the site[1]. A price you type, or one carried in a shared link, is kept and is not replaced by the saved close. Only a typed or shared price is saved; a price the tool filled in is not saved, so the next visit shows the current price. Emptying the field hands it back to the saved close, and the calculation uses that close while the field is empty. Clear deletes the saved entries and puts the saved close back in the field. Home value counts in full, with no selling costs or taxes deducted. Verify the methodology or inspect the source code in your browser's dev tools.
Where to go from here
Sources
Bracketed numbers in the text link to these sources. Figures, rates and rules change: check each source’s date before acting on it.
- Coin Metrics, Community API: latest daily BTC PriceUSD. Checked 2026-09-26. ↩
Calculators are educational estimates, not financial advice. Disclosures · How pages are reviewed