Net Worth Calculator — Compare by Age (2026)

In the Federal Reserve's 2022 Survey of Consumer Finances the median family had $192,900 and the average family $1,063,700. By age, the median rises from $39,000 for families under 35 to $409,900 at 65–74, then falls to $335,600 for those 75 or older: people build wealth through their working years and spend it in retirement, the “life-cycle pattern” the Fed's report describes. The whole table is above.

A small number of very wealthy families pull the average up and leave the median alone. The survey's own breakdown shows it: the wealthiest tenth of families had an average net worth of $7,810,500 and a median of $3,794,600, against $192,900 for the median family overall. In every age group the average is between 3.9 and 4.8 times the median. For a “typical” household, use the median.

The Fed defines net worth as the difference between a family's assets and its liabilities. Assets include checking, savings and money market accounts, CDs and savings bonds, stocks, bonds and pooled funds (mutual funds, ETFs, REITs), retirement accounts (IRAs, 401(k), 403(b) and thrift savings plans, including accounts from past jobs), the cash value of life insurance (not term policies), vehicles (cars, trucks, motorcycles, boats and others), the primary residence, other real estate, and the value of a business. Liabilities include mortgages and home equity lines, credit card balances, installment loans (education, vehicle, and buy-now-pay-later plans) and other borrowing such as loans against a pension or life insurance policy.

Two things are left out on purpose: Social Security and the future income from an employer pension (a defined-benefit plan), because their value depends on assumptions about the future that no standard settles; and employment-related stock options. If you have a pension or expect large Social Security benefits, they are not in your number here, and not in the Fed's either.

The Fed compares families, which it defines as a single person or a couple (married or living together) plus others in the household who are financially interdependent with them. Enter your household's combined assets and debts. The age group is the age of the survey's “reference person”: the man in a mixed-sex couple, or the older person in a same-sex couple, so for a couple the group can differ from your own age. The age medians also mix homeowners and renters, which the survey reports separately: owners had a median of $396,200 and renters $10,400. So read your number against the group that matches your situation as well as your age.

They come from the 2022 survey, published on October 18, 2023, which the Fed's Survey of Consumer Finances page lists as the most recent one. The survey is normally run every three years. The figures are in 2022 dollars and are not adjusted for anything since, so home prices, markets and inflation have moved the true numbers. Sites that print “2026 net worth by age” are adjusting the 2022 data themselves; this page shows the Fed's own numbers until a new survey is published.