What is a good net worth by age?
See the median net worth for your age group, why averages can mislead, and how to get a free benchmark comparison for your own net worth.
The Tablewealth Team
June 13, 2026·5 min read·Finance, Benchmarks
A good net worth by age is usually best measured against the median net worth for your age group. The median is the middle household: half of households in the group have more, and half have less. It is a better starting benchmark than the average because the average is pulled up by very wealthy households.
Using the Federal Reserve Survey of Consumer Finances, the median household net worth in 2022 was about $39,000 for households under 35, $135,000 for ages 35 to 44, $247,000 for ages 45 to 54, $364,000 for ages 55 to 64, $410,000 for ages 65 to 74, and $335,000 for ages 75 and older.
Net worth by age benchmarks
| Age group | Median net worth | Average net worth |
|---|---|---|
| Under 35 | $39,040 | $183,376 |
| 35-44 | $135,300 | $548,072 |
| 45-54 | $246,700 | $971,274 |
| 55-64 | $364,270 | $1,564,072 |
| 65-74 | $410,000 | $1,780,715 |
| 75+ | $334,700 | $1,620,104 |
If you want one number to compare yourself against, use the median. If you want to understand the full spread of wealth, look at the average too. The gap between the two is large in every age group because wealth is not evenly distributed.
What counts as net worth?
Net worth is assets minus liabilities. Assets can include cash, investment accounts, retirement accounts, home equity, vehicles, business equity, and other property. Liabilities can include mortgages, student loans, auto loans, credit card balances, and other debts.
That means two households with the same income can have very different net worth numbers. Home ownership, student debt, inheritances, business ownership, market returns, household size, and location all matter.
Get a free net worth benchmark comparison
The table above is useful, but your age group is only the starting point. Use the free Tablewealth net worth benchmark calculator to compare your net worth by age and see the benchmark that matches your situation.
The calculator gives you a fast comparison without connecting accounts. If you want to keep tracking your net worth after that, Tablewealth can help you connect your accounts, build a dashboard, or sync the data into a spreadsheet.
