Net Worth Calculator
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📊 Median Net Worth by Age (US, 2026)
| Age Group | Median Net Worth | Mean Net Worth |
|---|---|---|
| Under 35 | $39,000 | $183,000 |
| 35–44 | $135,000 | $549,000 |
| 45–54 | $248,000 | $975,000 |
| 55–64 | $364,000 | $1,566,000 |
| 65–74 | $409,000 | $1,794,000 |
| 75+ | $335,000 | $1,624,000 |
Source: Federal Reserve Survey of Consumer Finances, 2022 (most recent). Mean is pulled up by ultra-high-net-worth individuals; median is a better benchmark for most people.
What to Do With Your Net Worth Number
Your net worth is a snapshot, what matters is the trend. A rising net worth over time means you're building wealth. A flat or declining number means something needs to change.
If your net worth is negative: Focus on eliminating high-interest debt (credit cards, personal loans) before investing. The guaranteed return from paying off 20% APR debt beats any market return.
If your net worth is $0–$50K: Build an emergency fund (3–6 months expenses), max your Roth IRA ($7,000/year), and contribute enough to your 401(k) to get the full employer match.
If your net worth is $50K–$500K: This is when financial planning complexity increases, tax optimization, insurance review, and asset allocation matter more. Consider consulting a fee-only CFP®.
If your net worth is $500K+: A fee-only fiduciary financial advisor can meaningfully improve outcomes through comprehensive tax planning, estate coordination, and investment management at this level.
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