Net Worth by Age Calculator
Compare your net worth to benchmarks by age from the Federal Reserve Survey of Consumer Finances.
By Konstantin Iakovlev · Updated April 2026 · Source: SEC
Your Net Worth
$70.0K
Benchmark for Age
$95.0K
Percentile Estimate
Below median
Net Worth Summary
| Total Assets | $150,000.00 |
| Total Debts | - $80,000.00 |
| Net Worth | $70,000.00 |
| Median for Age 35 | $95.0K |
| Below Average By | $25.0K |
Benchmarks by Age (Fed Reserve SCF)
| Age 25 | $10.0K |
| Age 30 | $50.0K |
| Age 35 | $95.0K |
| Age 40 | $150.0K |
| Age 45 | $210.0K |
| Age 50 | $300.0K |
| Age 55 | $400.0K |
| Age 60 | $500.0K |
| Age 65 | $600.0K |
Target by 65
| Target Net Worth at 65 | $600.0K |
| Years Until 65 | 30 years |
| Growth Rate Needed | 7.4% annually |
Use the Net Worth by Age Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.
Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.
How It Works
Where does your net worth land among people your age? This tool answers that by benchmarking your figure against national data from the Federal Reserve's 2026 Survey of Consumer Finances, showing whether you sit above, below, or roughly in line with your peers and giving you a quick read on your financial health.
Working from your age and net worth, the calculator places you in a percentile rank using the Federal Reserve's 2026 SCF data. It measures your input against the median and average net worth for your age bracket and against a range of percentile markers, such as the 25th, 75th, and 90th.
Treat the result as one data point rather than a verdict. Net worth says nothing about future earning power or personal circumstances, like the heavy student loan debt that often accompanies a high-earning career. Fixating on the 'average' while ignoring your own goals and stage of life is the easiest way to misread the number.
Example: 35-Year-Old with $250,000 Net Worth
- 1 Input your current age (e.g., 35) and your total net worth (e.g., $250,000).
- 2 The calculator processes this data against the 2026 Federal Reserve SCF benchmarks for individuals aged 30-39. It identifies the median net worth for this age group as approximately $160,000 and the 75th percentile as $300,000.
- 3 Your net worth of $250,000 places you above the median for your age group, specifically around the 65th percentile. This indicates you are doing better than 65% of your peers in terms of net worth.
- 4 While your net worth is strong for your age, consider strategies to reach the 75th percentile and beyond, such as increasing retirement contributions, paying down high-interest debt, or exploring additional investment opportunities.
Source: SEC · Last updated: April 2026
Frequently Asked Questions
What is the median net worth for a 40-year-old American?
How do I calculate my net worth?
Is my net worth on track for retirement?
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