Where Do You Stand? Net Worth by Age

Compare your net worth to the average and median for your age group. Based on Federal Reserve Survey of Consumer Finances data.

📊 Check Your Percentile

Your Age

Your Net Worth ($)

📋 Net Worth by Age Group

Age	Average	Median	Difference
20–29	$139,243	$6,600	2010x gap
30–39	$325,952	$23,093	1311x gap
40–49	$750,578	$68,698	993x gap
50–59	$1,364,050	$180,227	657x gap
60–69	$1,577,907	$274,564	475x gap
70–79	$1,456,151	$220,067	562x gap

📊 Average vs Median Net Worth

20–29

Avg

$139,243

Med

$6,600

30–39

Avg

$325,952

Med

$23,093

40–49

Avg

$750,578

Med

$68,698

50–59

Avg

$1,364,050

Med

$180,227

60–69

Avg

$1,577,907

Med

$274,564

70–79

Avg

$1,456,151

Med

$220,067

Average Median

🤔 Why Is the Average So Much Higher Than the Median?

Wealth concentration. The average is pulled up dramatically by the ultra-wealthy. If you put Jeff Bezos in a room with 99 people who each have $50,000, the "average" net worth would be over $1 billion — but the median would still be $50,000.

The median is more useful. It tells you what the "middle person" actually has. If you're above the median for your age, you're doing better than most Americans.

The gap grows with age because compound growth amplifies differences. Someone who started investing at 25 has dramatically more by 60 than someone who started at 40.

💡 Building Net Worth at Every Age

In Your 20s

Start investing early — even $50/month matters. Build an emergency fund. Avoid lifestyle inflation. Your biggest asset is time.

In Your 30s

Max out employer 401(k) match. Pay off high-interest debt. Consider buying property. Increase investments as income grows.

In Your 40s

Catch up on retirement contributions. Diversify investments. Plan for children's education costs. Avoid new debt.

In Your 50s

Take advantage of catch-up contributions ($7,500 extra for 401k). Reduce risk in portfolio. Plan retirement timeline.

In Your 60s

Finalize retirement plans. Consider Social Security timing. Shift to income-generating investments. Reduce expenses.

In Your 70s

Take required minimum distributions. Focus on healthcare planning. Consider estate planning. Enjoy what you built.

Data source: Federal Reserve Survey of Consumer Finances (2022). Net worth = total assets minus total liabilities. This is for educational purposes only.