Net Worth by Age Calculator
How does your net worth stack up? Compare it to the median and mean for your age, using Federal Reserve data.
Example: with Your net worth 250,000 · Your age 40 → Median for your age: $155,600.
Computed by the calculator below using its default values. Change any input to see your own numbers.
Net-worth tracking tools
Learn moreAverage net worth by age: context for your number
Net worth rises with age as people pay down mortgages and build retirement savings, so comparisons only make sense within an age group. Use these brackets as motivation and context — not a verdict. The trend in your own number matters far more than any percentile.
How it’s calculated & sources
We compare your net worth to median and mean net-worth estimates for your age band from the Federal Reserve Survey of Consumer Finances (2025), and report where you land.
Source: Federal Reserve Survey of Consumer Finances (2025), net worth by age of household head.
Results update as you type and are general estimates, not personalized financial, tax, medical or legal advice. Verify with a professional.
Worked example
A $250,000 net worth at age 40 is above the $155,600 median for ages 35–44 — above the median; this comparison does not estimate an exact percentile.
Frequently asked questions
Why is the median so much lower than the average?
A small number of very wealthy households pull the average up. The median — the middle household — is a more realistic benchmark for most people.
Should I worry if I’m below median?
Not necessarily — debt early in careers (student loans, mortgages) is normal. Focus on raising savings and the trajectory, which compounds over time.