The typical net worth for each age group, from the Federal Reserve's Survey of Consumer Finances. Enter your age and net worth to see how you compare to people your age.
Federal Reserve Survey of Consumer Finances, 2022. Median is the midpoint; average is skewed high by the wealthiest.
| Age group | Median net worth | Average net worth |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35 to 44 | $135,000 | $549,600 |
| 45 to 54 | $247,000 | $975,800 |
| 55 to 64 | $364,000 | $1,566,900 |
| 65 to 74 | $410,000 | $1,794,600 |
| 75 or older | $335,000 | $1,624,100 |
A simple benchmark is to be at or above the median for your age group in the table above, since half of households your age are below it. Beyond that, comparison matters less than trajectory: steady saving and investing, keeping debt low, and letting time compound. A negative or low net worth is very common when young, especially with student loans.
A small number of extremely wealthy households pull the average (mean) up dramatically, so it overstates the typical person's position. That is why the median, the middle value, is the fairer benchmark for asking whether you are ahead or behind.
Spend less than you earn, clear high-interest debt, and invest the difference so it compounds. Seeing the effect of small changes helps: our millionaire calculator shows how long steady investing takes, and the daily habit tool shows what redirecting one habit can grow into.