What is a good net worth by age in 2025?

Net worth is the single best measure of financial health. It is what you own minus what you owe. But what should your net worth be at each age? The answer depends on income, savings rate, and when you started.

Average vs median net worth by age

The Federal Reserve’s Survey of Consumer Finances provides the most reliable data. Here are the 2025 estimates based on the latest data:

Under 35: Median $14,000 / Average $76,000 35-44: Median $91,000 / Average $437,000 45-54: Median $168,000 / Average $833,000 55-64: Median $213,000 / Average $1,175,000 65-74: Median $266,000 / Average $1,215,000 75+: Median $254,000 / Average $1,024,000

The big gap between median and average tells you something important: a small number of very wealthy people pull the average up. Median is the more relevant number for most people.

A more useful target: the net worth by income rule

A common rule of thumb is that your net worth should equal your annual income multiplied by a factor based on your age:

Target net worth = Annual income × (Age / 10)

At 30, your target is 3× your income. At 40, 4×. At 50, 5×. At 60, 6×. This rule works best for people who started saving in their 20s and earn a stable income.

What counts as net worth

Assets include cash, investments, retirement accounts, home equity, and valuable property. Liabilities include mortgages, car loans, student loans, credit card debt, and personal loans. Your home is an asset, but only the equity portion counts — the amount you would keep after selling and paying off the mortgage.

How to improve your net worth

Two levers: increase assets and decrease liabilities. The fastest way to increase net worth in your 20s and 30s is to increase your savings rate. Every dollar saved and invested is a dollar working for you. In your 40s and 50s, protecting what you have becomes equally important — adequate insurance, diversified investments, and avoiding lifestyle inflation.

Calculate your net worth with the Net Worth Calculator and track it over time. Consistent progress matters more than the starting number.