Net Worth by Age Calculator
How does your net worth stack up? Compare it to the median, top 25% and top 10% for your age, using Federal Reserve data.
Net-worth tracking tools
Learn moreContext 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, top-25% and top-10% thresholds for your age band from the Federal Reserve Survey of Consumer Finances (2022), and report where you land.
Source: Federal Reserve Survey of Consumer Finances (2022), 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 ~$135,000 median for ages 35–44 — comfortably in the top half, approaching the top 25%.
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.