Net worth increase 2022 (i.e. the 'present' you give yourself)

[SCUBAstache]

I went from ~$490k to $640k, so pretty happy with that +$150k increase! I don't expect that kind of increase again anytime soon, though.

[Chaplin]

This is so neat! How did you make it?

Sorry, I hadn't been back to this thread in a bit. Gathering the data is the hard part. A few years ago I went through piles of folders with investment statements and recorded ending balances for each year in a spreadsheet. I was able to go back to about 2004 for some accounts, but have good numbers for everything since about 2007. I gradually added information about our mortgage balance and home value at the end of each year, then I added information our contributions so I could distinguish between market gains and new money. After several years of tinkering with the file, I happened to ask myself what has contributed to our net worth growth and I had the data to answer that question. Unfortunately, the short answer is "luck," but the long answer is a neat chart.

[McStache]

2013 - $10,000? (records aren't great back then)
2014 - $49,193
2015 - $101,290
2016 - $179,734

I like this trend!  Though I think it will be more of a linear increase next year instead of this nice upward curve.

[startingsmall]

38 years old, married with a 4 year old, only discovered MMM two years ago so still kind of new and amazed at my progress. First started tracking net worth in July 2015.

July 2015 - $132,045
December 31, 2015 - $169,554
December 30, 2016 - $248,939

2016 Net Worth Increase = $79,385

A decent bit of that is market gains and real estate appreciation, but given that our household income is only around $140k (which I consider high, but seems kind of low compared to many on here) I'm pretty pleased with our progress!!

[Mormon Money Mustache]

2012 negative
2013 negative
2014 16k
2015 135k
2016 348k

55% savings rates for 2016
Wife and 4 kids and a couple major surgery/hospital bills

[minority_finance_mo]

Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K (!)

Just broke 6 figures! :D

[Zikoris]

Well, it looks like we cracked the 75K increase barrier - we finished the year with an increase of $75,121, from $169,220 to $244,341! Not bad on a combined income of only around 80K.

[dividendsplease]

end of 2015: 27,013
end of 2016: 91,178

[overwhelmed]

I started tracking in March 2016

Net Worth month end 3/16 -   $267,710.13
Net Worth month end 12/16 - $367,434.95

Single parent w/2 teenagers - I'll take it :)

[Roots&Wings]

Fun way to close out the year, and to see compounding at work.

2012:  $219k  (salary $78k)
2013:  $315k  (salary $75k)
2014:  $420k  (salary $80k)
2015:  $475k  (salary $86k)
2016:  $601k  (salary $90k) - hit $500k in April

Financial goals: a paid off house + $1.3M stash to support a conservative 3% withdrawal rate via ~75% savings rate, 90/10 asset allocation.

Looking at 6-10 years out. Spent $20.5k in 2016. My FIRE budget ($36k) has a substantial cushion because of unknown health care costs, and other fluff that could be cut if necessary. To many here, this is irrationally conservative...and reckless to many Bogleheads :)

Onwards and enjoy!

[aspiringnomad]

12/2015: 48% increase
12/2016: 32% increase

Less as a percentage of my stash, but the same $ number.

[Al1961]

I FIREd in mid 2014, DW FIREd at the end of November this year.

Net worth increase was $105,044, net of withdrawals.

Includes:
$12,012 increase in home equity from mortgage principal payments,
$16,804 in other savings
$111,738 increase in market value of investments
($18,706 35,510) net withdrawals to fund expenses. (2.1% WR)

Excludes:
Real estate market value adjustments, if any
Value of DB Pension and employee/employer pension contributions.

Looking forward to next year. Expenses should drop considerably as we simplify our housing situation (two houses currently) and move to a lower COL area.

Edit: Oops, missed some of DW's gains, and changed to net withdrawals.

[Cherry Lane]

I'm up 13% in 2016, leaving me only $6k short of my "bare-bones" FI target and $206k short of "comfortable" FI.  Planning to RE in 15 months, when I expect to be somewhere in between those numbers.

[pancakes]

Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Nov 2016 $246k
Dec 2016 $256k

+ $61k feels great.

[Half Stached]

We're up 31%: from 820K to 1.08M. We saved 186K and saw passive gains of 73K. This worked out to a return of about 7.5% on the year, which lagged the VTSAX by about 3% due to one bad investment. Overall, reasonably happy with the progress as we estimated a year ago to be at 1.03M now.

[plainjane]

Invested assets increased by 25% (more than my pre-tax salary).
Paid off the house.

[jengod]

We haven't recorded this annually, but this thread inspired me to check our general "household finances" spreadsheet, and I discovered I "mislaid" six figures because I accidentally shorted a sum by one row. So that sure looked like a nice jump in addition to be *being* a nice jump.

[soccerluvof4]

+198k . Good Year!

[stacheasaurus]

December 2015: 2.6k
December 2016: 31.1k

+28.1k!
Savings rate: 43%!

[NinetyFour]

My NW increased by 24% this year.

Nice work, everyone!  Hope 2017 is a great year in every way!

[letired]

Oh man, this thread is really a kick in the pants! I'm up a paltry 12%, partially due to a lack of focus and partially due to shifting a lot of things around to purchase a house.

Here's to 2016 being much more focused!

Revisiting the 2015 numbers, turns out I shorted myself a percent. That said, I did much better this year with a NW increase of 21.7%!

[del84]

Dec 2015: $1,025,000
Dec 2016: $1,127,000

+$102,000
9.95% increase

[Wile E. Coyote]

I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

[minority_finance_mo]

I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

WOW! Congrats!

[marty998]

I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Even if it is inflated, there has to be some substance behind it... if that's the market, then that's the market.

If shares were trading at ridiculously high P/E ratios would you discount the value? Or would you take the market price as fair value?

(Congrats regardless, phenomenal effort)

[Faramir]

Household combined figures converted to US$

end 2012: $130K
end 2013: $221K   +$91K on combined salaries totaling $76K
end 2014: $318K   +$97K on combined salaries totaling $80K
end 2015: $362K   +$44K on combined salaries totaling $80K 
end 2016: $486K   +124K on combined salaries totaling $85K   

[Sailor Sam]

I want to play!

31 Dec 2010: $85,203
31 Dec 2011: $106,303   (Δ $21,100)
31 Dec 2012: $144,111   (Δ $37,808)
31 Dec 2013: $212,510   (Δ $68,399)
31 Dec 2014: $264,836   (Δ $52,326)
31 Dec 2015: $299,579   (Δ $34,743)
31 Dec 2016: $371,611   (Δ $72,032)

[FrugalByChance]

Net Worth:
1 Jan 2016: € 269 365.45   ( USD 282 402.74)
31 Dec 2016: € 299 761.46   ( USD 314 191.98)

Growth: € 30 396.01 ( USD 31 862.62)

ER Stash
1 Jan 2016:€ 58 970.75   ( USD 61 821.99)
31 Dec 2016: € 84 056.56   ( USD 88 112.29)

Growth: € 25 085.81  ( USD 26 296.20)

[Apples]

December 2013:  $43,800
December 2014:  $70,200
December 2015:  $107,700

Goal for next year:  $150,000 if we stretch for it.

December 2016:  $153,950  Woohoo!  We hit our stretch goal and then some!  And it felt like we were spending well above our budget, but actually stayed a bit under once the year was done.  Net worth went up 43% with a 46% savings rate (lower than the previous year) and a 10% increase in take-home pay, all due to my DH getting awesome, deserved raises.  Goal of $200,000 by the end of 2017 with a stretch goal of $210,000.

[Gunny]

We are up 9% in our portfolio based on compounded growth only.  No additional contributions as we are FIREd.  We are down 10% in our cash account due to a lot of travel in 2016.  But this was a planned draw down.

[NorCal]

12/31/ 2015: $769K
12/31/2016: $1,063K

Total Increase: $294K

2017 Probably won't be as good.  2016 included an incredibly generous bonus for my wife, as well as unintended over-withholding on taxes of about $10K.  It was also a pretty good year for market appreciation.

[Vertical Mode]

I track mine quarterly, so at the close of:

Q4 2015: $99.5k
Q4 2016: $146.5k

My own contributions still propel this steamship forward mostly, but the tailwind of dividends and growth is picking up!

[jorjor]

12/31/2014: $132,000
12/31/2015: $257,000
12/31/2016: $403,000

It was a good year.

[jmutt]

Happy New Year All! 

31 DEC 2016 - 562k for a grand total of 100k!  Good year for the market, plus about a 50% pre-tax savings rate. 
31 DEC 2015 - 462k
31 DEC 2014 - 395k
31 DEC 2013 - 330k
31 DEC 2012 - 244k

[Etlav5]

Love this thread

dec 2015: - 36k
dec 2016: - 17 k


Just started to have a salary a little more than a year ago. (approx. 40 000$ net). The remaining dept is a student loan that is free of interest for the next 3.5 years (until I finish my residency) so i will be starting to invest in 2017.
Objective for 2017: 0 net worth !

[TheFirstMan]

Just found this thread! I found MMM in mid-2014, but I have been on the right track for a long time.

- Net worth up 219K, from 200K to 419K, 110%!
- Assets up 204K, from 350K to 554K, up 58%!
- Investments up 84K, from 183 to 267, 46%!
- Debt down 11K to 140K, down 7%!
- Income on the year: 80K (not counting auto deposits to 403Bs, I think)

Income in 2016: 92K in pocket, 36K in 403Bs, plus taxes and other deductions, so about 135K total.

2016 results:

The major factor in 2016 was drawing about 50K of home equity out and spending 52K on major improvements to our home...

- Net worth up from 419K to 440K, up 5%

- Assets up 86K, from 554K to 640K, up 15%! (Home equity up about 35K)

- Investments and liquid assets up 95K, from 267K to 362K, 36%!

- Debt up 60K, from 140K to 200K, which is 43%

[Wile E. Coyote]

I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Even if it is inflated, there has to be some substance behind it... if that's the market, then that's the market.

If shares were trading at ridiculously high P/E ratios would you discount the value? Or would you take the market price as fair value?

(Congrats regardless, phenomenal effort)

Thanks!  I do think the real estate has gone up in value, but 35% in one year seems a bit high.  I would say it is about half of that.  I pay pretty close attention to what is going on in my town, and I am fairly certain that it would not sell for what Zillow thinks it would.  It's all just theoretical since we don't plan on selling any time soon.

[SingleMomDebt]

Jan 2, 2013  -($33,302) 
Jan 2, 2014 -($20,162)    +13,140
Jan 2, 2015    $2,833       +22,995
Jan 2, 2016    $13,330     +10,497
Jan 2, 2017    $75,494     +62,164

$20K from property value increase along with about $9,000 in market gains.

But the rest was $4,700 in retirement contributions and $28,464 of debt reduction.

Pretty pumped that my 2016 efforts exceeded the previous 3 years combined :)

Nice job on the debt reduction LWTG!

[NinetyFour]

Jan 2, 2013  -($33,302) 
Jan 2, 2014 -($20,162)    +13,140
Jan 2, 2015    $2,833       +22,995
Jan 2, 2016    $13,330     +10,497
Jan 2, 2017    $75,494     +62,164

$20K from property value increase along with about $9,000 in market gains.

But the rest was $4,700 in retirement contributions and $28,464 of debt reduction.

Pretty pumped that my 2016 efforts exceeded the previous 3 years combined :)

Nice job on the debt reduction LWTG!

+100!  That is excellent!

[Polish_Hammer]

2015 yr end 885,632
2016 yr end 1,050,182

Increase of 164,550. (Best ever)

[mbk]

Very impressive numbers all around.

We started the year with ~147k. Ended with anywhere between 200-224k depending on the hypothetical sale value of some real estate.

[tarheeldan]

Congrats all!

My net worth ended up $41k higher on gross earnings of $71k. Great year!

[boarder42]

NW was up almost 200k and investmented NW was up around 150k.

[sw1tch]

What a great year:

1/2016 - $275,600
1/2017 - $400,014

[MVal]

Starting NW Jan 2016: $50K
Starting NW Jan 2017: $84K

I am very proud to have raised my NW by $34K in one year with only a $40K salary!

My expenses might go up in 2017 at some point, but I hope to still be able to add $25K or so this year.

[BabyShark]

Didn't start tracking until last year but here goes:

December 2015: $135,962.58
December 2016: $181,753.15

$45,790.57!  Going to shoot for $235,000 next year, an increase of $53,246.85, which is a little ambitious for us, but doable.

[CheapskateWife]

Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K

Holy crap...it is amazing to lay out all our hard work like this and see it happening for real.

The other big thing that we accomplished this year was the DH actually retiring from the military.  I don't have that pension added into our NW number, but what it did do was bring our FIRE number down significantly.  We are FI right now, but I'm continuing to work to feed my OMY syndrome.

DH just got offered a job at my exact pay grade, so once that gets set in stone, we are planning for us to switch places while he goes back to work for 24 months to pay for his expensive car hobby while I take care of the house/kids/MIL.  The freedom, it feels good!

[Jessamine]

2013: 179k
2014: 200k (+21k)
2015: 340k (+140k) [80k was from increase in home value]

2016: 416k (+76k)

I have higher hopes for this year.

[sol]

Keeping the total numbers private, but up about $31,000 for the year. Currently a full time PhD student working part time as a programmer with a gross income of about $40,000. About half of the increase is due to market appreciation, the other half is due to savings.

Don't be discouraged by small progress, be content in the knowledge that you're on the right path.

I was in your shoes not too long ago, overeducated but nearly broke, striving to put a few thousand per year into my Roth.  10 years later my net worth sometimes fluctuates more in a single day than it used to in an entire year.  Stay the course and freedom can be yours.  This entire thread is a good reminder that this plan works.

[Slee_stack]

We were around +$150k for 2016 excluding real estate appreciation and tangible property.