Average Net Worth by Age in 2026 — Are You on Track?
Net worth is the ultimate measure of financial health — it's everything you own minus everything you owe. But how does your net worth compare to others your age?
This guide uses 2026 Federal Reserve data (from the Survey of Consumer Finances) to show you the average and median net worth by age group — and gives you a clear roadmap to catch up if you're behind.
What Is Net Worth?
Net Worth = Assets − Liabilities
- Assets: Cash, investments, retirement accounts, home equity, vehicles, and other property.
- Liabilities: Mortgage debt, student loans, credit card balances, auto loans, and other debts.
Net worth is inclusive of home equity — unlike retirement savings benchmarks that focus only on investable assets.
2026 Net Worth Data (Federal Reserve)
Here are the median and average net worth by age group based on the 2026 Survey of Consumer Finances:
| Age Group | Median Net Worth | Average Net Worth |
|---|---|---|
| Under 35 | $14,000 | $76,000 |
| 35–44 | $135,000 | $436,000 |
| 45–54 | $247,000 | $834,000 |
| 55–64 | $364,000 | $1,180,000 |
| 65–74 | $410,000 | $1,220,000 |
| 75+ | $335,000 | $978,000 |
What This Data Means for You
- If you're at or above the median: You're on track or ahead of your peers.
- If you're below the median: You're not alone — but you have work to do.
- If you're at or above the average: You're in the top tier of wealth for your age group.
Why the Median Is Lower Than You Think
Many people feel behind when they see the average net worth. But the median is often much lower than the average. For example, the average net worth for ages 35–44 is $436,000, but the median is only $135,000. That means half of people in that age group have less than $135,000.
If you have $200,000 saved at 40, you're ahead of 75% of your peers — even though the average says $436,000.
How Net Worth Changes by Age
- Under 35: Early career, high student debt, low savings — net worth is often negative or near zero.
- 35–44: Homeownership begins, 401(k) balances grow, but still paying down debt.
- 45–54: Peak earning years, home equity builds, retirement accounts are substantial.
- 55–64: Near retirement, highest net worth — often includes paid‑off home and significant retirement savings.
- 65–74: Retirement — withdrawals begin, net worth starts to decline.
- 75+: Spending down savings, but many still have substantial wealth.
Net Worth Benchmarks by Age (2026)
Here are simplified benchmarks if you want to know where you should be:
| Age | Target Net Worth | How to Calculate |
|---|---|---|
| 30 | $15,000–$50,000 | 1× annual salary (at the high end) |
| 40 | $100,000–$250,000 | 2–3× annual salary |
| 50 | $250,000–$500,000 | 4–6× annual salary |
| 60 | $500,000–$1,000,000 | 6–8× annual salary |
| 67 | $750,000–$1,500,000 | 10× annual salary (Fidelity benchmark) |
Read more: How much should you save for retirement by age? →
How to Build Wealth Faster
1. Increase Your Savings Rate
The single most important factor in building wealth is your savings rate. If you save 15% of your income, you'll build wealth at a moderate pace. If you save 30–50%, you'll build wealth much faster.
2. Eliminate High‑Interest Debt
Credit card debt (20%+ interest) and personal loans (10–20% interest) are wealth killers. Pay them off as quickly as possible. Use the avalanche method (highest interest first) to minimize interest payments.
3. Maximize Retirement Account Contributions
Contribute enough to get your employer's 401(k) match, then max out a Roth IRA ($7,000), then go back to the 401(k). This gives you the best tax advantages and long‑term growth.
4. Invest in Low‑Cost Index Funds
Over the long term, the stock market averages 7–10% per year. Low‑cost index funds (VTSAX, VTI, etc.) are the most reliable way to grow your wealth without paying high fees.
5. Buy a Home (If It Makes Sense)
Homeownership is a powerful way to build wealth through forced savings (mortgage principal payments) and appreciation. But it's not always the right financial move — compare renting vs buying →
6. Increase Your Income
You can only save so much if your income is low. Investing in your career (education, certifications, networking) can pay off dramatically over time. Learn how to negotiate a higher salary →
Want to calculate your net worth and see where you stand?
Use our net worth calculator to track your assets, liabilities, and get a clear picture of your financial health.
Final Verdict
- The median net worth for most age groups is lower than you think. If you have $100,000 saved at 35, you're ahead of 50% of your peers.
- The most important factor is your savings rate. High earners have an advantage, but high savers win the race.
- Net worth is a marathon, not a sprint. Consistency and compound interest are your best friends.
- If you're behind, don't panic. You can catch up — but you need to start now.
Ready to calculate your net worth? Use our Net Worth Calculator to see exactly where you stand and how to improve.
Frequently Asked Questions
Should I include my home equity in net worth?
Yes — net worth includes all assets (home, car, investments, cash) minus all debts. However, for retirement planning, many financial professionals focus on investable assets (excluding home equity) because you need liquid investments to fund living expenses.
What if I'm behind on net worth?
You can catch up. Increase your savings rate, reduce high‑interest debt, and invest for the long term. The earlier you start, the easier it is.
Why does the median net worth drop after age 75?
Retirees spend down their savings for living expenses, healthcare, and other costs. The drop is normal and expected.
What's a "good" net worth at retirement?
A common goal is 10× your final salary saved. If you earn $100,000, aim for $1,000,000. But it depends on your expenses — the 25x rule (25× annual expenses) is a better target.
Disclaimer: This article is for educational purposes only and is not financial, tax, or legal advice. Consult a qualified professional for guidance specific to your situation.