Net Worth Calculator · Practical guide
What Is the Average Net Worth by Age?
Median US net worth by age group — and how to see where your own number lands.
At a glance
Median Net Worth by Age (Federal Reserve Data)
According to the Federal Reserve's 2022 Survey of Consumer Finances, the median US household net worth by age of the reference person is:
| Age Group | Median Net Worth |
|---|---|
| Under 35 | $39,000 |
| 35–44 | $135,600 |
| 45–54 | $247,200 |
| 55–64 | $364,500 |
| 65–74 | $409,900 |
| 75 and older | $335,600 |
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Net Worth Calculator
Enter your own values, then compare the result with the examples below.
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Median vs Average: Why It Matters
The mean (simple average) net worth is far higher — over $1 million across all households — because a small number of very wealthy households pull it up. The median, where half of households sit above and half below, is the more realistic benchmark for comparing yourself.
Why Net Worth Climbs, Then Dips
Net worth typically rises through the working years as mortgages get paid down and retirement accounts compound, peaks around retirement age, then declines as retirees spend down savings. Being below the median in your 20s or 30s is normal — student loans and early-career salaries drag the number down before assets build.
Find Your Own Number
Benchmarks only matter once you know where you stand. Add your assets and liabilities in the calculator above to get your net worth with percentage breakdowns. Recalculate every quarter or year and focus on the trend: a number moving steadily upward matters more than matching any age-based average.
Frequently Asked Questions
What net worth is considered wealthy in the US?
Being in the top 10% of US households requires a net worth of roughly $1.9 million or more, based on Federal Reserve survey data. The top 1% starts at around $11 million.
Is net worth by age measured per person or per household?
The Federal Reserve figures are per household, grouped by the age of the household's reference person. Comparing a single income to a two-income household figure will understate your position.
What is a good net worth at 30?
A popular rule of thumb is to have savings equal to your annual salary by age 30, but the real median for under-35 households is $39,000. Any positive, growing net worth at 30 puts you on solid ground.