What is the average net worth by age in the US?

According to the Federal Reserve's 2022 Survey of Consumer Finances, 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. Mean (average) net worth is significantly higher due to wealth concentration at the top. Median is a more representative benchmark for most households.

Should I include my home in my net worth?

Yes, include your home at current market value as an asset, and your mortgage balance as a liability. The difference is your home equity. However, financial planners often distinguish between total net worth (including home) and investable net worth (excluding home) because home equity is illiquid and does not generate retirement income unless you sell or use a reverse mortgage.

What net worth is considered wealthy in the US?

According to the 2022 Federal Reserve SCF, the top 10% of US households have a net worth above approximately $1.9 million. The top 1% have net worth above approximately $11 million. Charles Schwab's 2023 Modern Wealth Survey found Americans consider $2.2 million the threshold for being wealthy and $774,000 for being financially comfortable.

How fast should my net worth grow?

A common benchmark is to double your net worth roughly every 7-10 years through consistent saving and investing (the Rule of 72 at 7-10% annual growth). The FIRE community targets 25x annual expenses as the goal. A practical milestone framework: 1x annual income by 30, 3x by 40, 6x by 50, 8x by 60 (source: Fidelity research).

What assets should not be included in net worth?

Depreciating personal property with minimal resale value is often excluded from financial planning net worth calculations, such as clothing, furniture, and most electronics. Some planners also exclude defined benefit pension present value (it is an asset but difficult to value and illiquid). Primary home is included in gross net worth but excluded from investable net worth.

Not Financial Advice. CalcMoney provides calculators for educational and planning purposes only. Results are estimates and do not constitute financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Terms apply.

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Total Wealth Engine.

Determine your aggregate net holding value with predictive AI categorization.

Your current total net worth: all assets minus all liabilities
Asset allocation breakdown: liquid, retirement, real estate, and other assets
Net worth needed at retirement to generate your target annual income at 4%

Federal Reserve SCF 2022

Current Assets

Checking & Cash

Savings Accounts

Retirement Accounts

Real Estate Valuation

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Outstanding Liabilities

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Net Worth Summary$480,500 ASSETS

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Debt-to-Asset Ratio

57.0%

Total Assets

$480,500

Total Liabilities

$273,700

$33,500

$405,000

Asset Class Dispersion

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Average Net Worth by Age (US)

Age Group	Median Net Worth
Under 35	$76k median
35–44	$135k median
45–54	$247k median
55–64	$365k median

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Frequently Asked Questions

About the net-worth

A common benchmark from The Millionaire Next Door is: expected net worth = (age x pre-tax annual income) / 10. The Federal Reserve Survey of Consumer Finances shows median net worth of about $192,000 for all US families, but this varies greatly by age, with those 55-64 having a median of approximately $364,000.

Assets include cash and savings, investment accounts (401k, IRA, brokerage), real estate (market value), vehicles (market value), business equity, and valuable personal property. Liabilities include mortgages, auto loans, student loans, credit card debt, personal loans, and any other money owed.

Important Disclaimer

CalcMoney provides educational financial calculators for informational purposes only. Results are mathematical estimates based on the inputs you provide and do not constitute financial, tax, legal, or investment advice. Actual results may vary based on lender terms, tax regulations, market conditions, and individual circumstances. Always consult a qualified financial professional before making major financial decisions.

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Sources and last checked

IRS Rev. Proc. 2025-32 (2026 annual inflation adjustments), checked Sep 8, 2026

This calculator's figures come from these sources. We re-check them when new figures are published.

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