Why the investable assets calculator matters
Wealth managers, private banks and many financial products are gated on investable assets rather than total net worth, so the distinction has practical consequences. This page turns that decision into a handful of inputs you can defend in a budget review: volume, unit cost, rate of adoption, and time. The output is a planning baseline, not a promise — it tells you whether the idea deserves a vendor quote, a pilot, or a pass.
- • Biggest swing factor: which assets you exclude as non-investable
- • Second-order factor: the contribution rate on the investable slice
- • Often ignored: the return assumption over the horizon
What actually changes the answer
which assets you exclude as non-investable moves this number first, then the contribution rate on the investable slice. Run a conservative case and an upside case before you commit. If the maths only works in the upside case, treat it as a time-boxed test with a kill date rather than a line in next year's plan.
What to do with the result
Exclude your primary home and any illiquid business equity, then re-run. That is the figure an adviser will ask for.
Related guides
Long-form playbooks on the same topic, written by the RevenueLab editorial team.
FAQ
What does the investable assets calculator work out?
It applies Net worth = assets − liabilities; Future = net worth × (1 + r)^years + annual savings × [((1 + r)^years − 1) ÷ r] to the values you enter for total assets you own, total debts you owe, monthly savings added, assumed annual growth rate, years to project. Wealth managers, private banks and many financial products are gated on investable assets rather than total net worth, so the distinction has practical consequences.
How accurate is this investable assets calculator?
Depends entirely on your classification of the assets figure. It does not automatically exclude your home — you do that on the input. Replace the defaults with your own invoice, usage export, payroll data, statement, or vendor quote before making a commitment — the maths is exact, so the answer is only as good as the inputs you feed it.
Which input should I stress-test first?
which assets you exclude as non-investable. Re-run with a pessimistic value for it; if the decision flips, that assumption is the thing you need real data on before signing anything. After that, check the contribution rate on the investable slice and the return assumption over the horizon.
Which scenario should I start from?
Start with the preset closest to your situation — conservative, base case, aggressive saver — then edit the sliders. Presets are realistic starting points, not benchmarks to match, and every change updates the result instantly.
What should I do after running the numbers?
Exclude your primary home and any illiquid business equity, then re-run. That is the figure an adviser will ask for. A useful planning benchmark to compare against: Advisers usually define investable assets as everything excluding your primary residence.
Can I share or save this calculation?
Yes. Your inputs are written into the page URL, so copying the link shares the exact scenario you are looking at — the person who opens it sees the same numbers. You can also export the inputs and results to CSV or PDF from the result card and keep it with the rest of your workings.
How this calculator is built
Independently maintained
Written by Sam Doshi and the RevenueLab editorial team. We don't sell the data feeds this tool is built on.
Sourced from primary data
Benchmarks come from public AdSense / Stripe / IRS disclosures and reader-submitted data — never third-party "$X per view" claims. Full methodology.
Last editorial review
Reviewed on a rolling quarterly cycle. Dated reviews are published on the methodology record for each calculator.
Editorial standards
See our editorial policy and disclaimer. Results are estimates, not advice.