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Where Do You Stand?

A private, judgment-free snapshot of your net worth next to a typical household your age - using real Federal Reserve data.

Brad Schweinsburg

Brad Schweinsburg

— 5 min read
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Money progress is almost invisible. You rarely get to see how you’re actually doing. This gives you a private, judgment-free snapshot: where your net worth sits next to a typical household your age, using real Federal Reserve data. Not to rank you. Just so you know your starting line and your next marker.

years

Everything you own minus everything you owe. Add up savings, investments, retirement, home equity, car value. Then subtract debts (cards, loans, mortgage balance). A rough number is fine. It’s okay if it’s zero or negative. That’s where most people start.

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Figures are median and mean family net worth by age from the Federal Reserve’s 2022 Survey of Consumer Finances (the most recent), in 2022 dollars. A snapshot for perspective, not a scorecard or financial advice.

Common questions

What is the average net worth by age in the U.S.?Using the Federal Reserve’s 2022 Survey of Consumer Finances, the median (middle) net worth is about $39,000 under age 35, $135,600 for ages 35–44, $247,200 for 45–54, $364,500 for 55–64, and $409,900 for 65–74. Median is a fairer yardstick than “average,” which is pulled far higher by a small number of very wealthy households.
Is my net worth good for my age?A simple, honest read: if you’re at or above the median for your age band, you’re in the top half for your age. If you’re below it, so is nearly half of everyone your age. It’s a starting line, not a failing grade. Enter your numbers above to see exactly where you land.
How do I calculate my net worth?Add up everything you own (cash, savings, investments, retirement accounts, home equity, car value) and subtract everything you owe (credit cards, student and car loans, mortgage balance). The result, which can be zero or negative, especially when you’re young, is your net worth.

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