Net Worth by Age: Where Do You Stand?
How does your net worth compare to others your age? See median and average net worth by age group using data from the Federal Reserve Survey of Consumer Finances.
Check Your Net Worth Percentile
Enter your net worth and age to see exactly where you rank — free and anonymous.
Calculate Your Net Worth Percentile - FreeMedian vs. Average Net Worth by Age Group
The table below shows both median and average net worth for each age group. The median is what the "typical" person has — it's the number you should compare yourself to.
| Age Group | Median Net Worth | Average Net Worth |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35-44 | $135,600 | $549,600 |
| 45-54 | $247,200 | $975,800 |
| 55-64 | $364,500 | $1,566,900 |
| 65-74 | $409,900 | $1,794,600 |
| 75+ | $335,600 | $1,624,100 |
Source: Federal Reserve Survey of Consumer Finances (2022). Data is updated automatically when new survey data is released.
Why Net Worth Matters More Than Income
Income tells you how much money flows in. Net worth tells you how much you've actually kept and grown. Two people can earn the same salary but have vastly different net worths depending on spending habits, debt, investments, and time in the workforce.
Tracking your net worth percentile over time gives you a clearer picture of financial progress than income alone. Wealthile compares both — giving you the full picture of where you stand.
Net Worth Percentile Benchmarks
| Percentile | Net Worth | What It Means |
|---|---|---|
| 25th | $30,500 | More wealth than 1 in 4 households |
| 50th (Median) | $192,900 | More wealth than half of all households |
| 75th | $686,600 | More wealth than 3 in 4 households |
| 90th | $1,912,500 | Top 10% wealthiest |
| 95th | $3,794,700 | Top 5% wealthiest |
| 99th | $14,709,900 | Top 1% wealthiest |
Source: Federal Reserve Survey of Consumer Finances (2022). All households, all ages.
Frequently Asked Questions
What is the average net worth in America?
The average American household net worth is approximately $1,060,000, but this is heavily skewed by the ultra-wealthy. The median net worth — a more representative figure — is approximately $192,900, according to the Federal Reserve Survey of Consumer Finances.
What should my net worth be at 30?
The median net worth for Americans under 35 is approximately $39,000. A common rule of thumb is to have 1x your annual salary saved by 30, but this varies widely based on student debt, cost of living, and career path. Use Wealthile to see your exact percentile for your age group.
What should my net worth be at 40?
The median net worth for Americans aged 35-44 is approximately $135,600. By 40, a common benchmark is 2-3x your annual salary, though this depends heavily on your income level and financial goals.
What net worth is considered rich?
There is no universal definition, but a net worth of $1 million or more places you roughly in the top 10-12% of American households. A net worth of $2.5 million puts you in approximately the top 5%, and $11 million or more is roughly the top 1%.
Why is median net worth so much lower than average?
The average is pulled up dramatically by the ultra-wealthy. When a billionaire is included in the calculation, the average skyrockets while the median barely moves. The median is the middle value — half of households are above it, half below — making it a much more useful benchmark for most people.
Does net worth include home equity?
Yes. Net worth is calculated as total assets (including home equity, retirement accounts, savings, investments, and other property) minus total liabilities (including mortgage balance, student loans, credit card debt, and other debts). The Federal Reserve data used by Wealthile includes home equity in net worth calculations.
See Your Exact Net Worth Percentile
Compare your net worth to others your age, in your state, and nationwide. Free, anonymous, and instant.
Compare Your Net Worth Now