What is the average net worth by age?

US median net worth by age: Under 35: $39,000. 35-44: $135,600. 45-54: $247,200. 55-64: $364,500. 65-74: $409,900. 75+: $335,600. Note: median is more useful than average because a few ultra-wealthy individuals skew averages dramatically upward.

How do you calculate net worth?

Net Worth = Total Assets - Total Liabilities. Assets include: cash/savings, investments (stocks, bonds, retirement accounts), real estate, vehicles, and valuables. Liabilities include: mortgage, student loans, car loans, credit card debt, personal loans, and any other money owed.

💎 Financial Health

Net Worth Calculator

Assets minus liabilities — your true financial picture

💡 Quick Answer: Net Worth = Assets − Liabilities. US median net worth by age: Under 35: $39K, 35-44: $136K, 45-54: $247K, 55-64: $365K. If yours is above median for your age, you're doing better than most Americans.

📈 Assets (What You Own)

Cash & Savings ($)

Investments & Stocks ($)

Retirement Accounts ($)

Real Estate Value ($)

Vehicle(s) Value ($)

Other Assets ($)

📉 Liabilities (What You Owe)

Mortgage Balance ($)

Student Loans ($)

Car Loan(s) ($)

Credit Card Debt ($)

Other Debts ($)

Why Net Worth Matters More Than Income

Income is how much money flows in; net worth is how much you have actually kept. A doctor earning $300,000/year with $400,000 in student debt and a lavish lifestyle may have a lower net worth than a teacher earning $50,000 who has been saving and investing consistently for 20 years. Net worth is the true scorecard of financial health. Track it quarterly or annually to see if your financial decisions are moving you in the right direction. A growing net worth — even slowly — means you are building wealth.

Net Worth by Age: How Do You Compare?

According to the Federal Reserve's Survey of Consumer Finances, US median net worth by age group: Under 35: $39,000 (average $183,500). 35-44: $135,600 (average $549,600). 45-54: $247,200 (average $975,800). 55-64: $364,500 (average $1,566,900). 65-74: $409,900 (average $1,794,600). 75+: $335,600 (average $1,624,100). The enormous gap between median and average shows how wealth is concentrated. The median tells you what the typical household has; use that as your benchmark.

Disclaimer: This calculator provides a snapshot estimate. Asset values fluctuate and should be based on current market values. This is not financial advice — consult a certified financial planner for comprehensive financial planning.