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🌅Retirement

What Net Worth Should You Have at Your Age? Am I on Track?

Are you behind, on track, or ahead of where you should be?

What This Does

Net worth benchmarks are everywhere, but most are either too vague ("save 1x salary by 30, 3x by 40") or use average figures distorted by the ultra-wealthy. What you actually need to know is whether your specific net worth — at your specific age and income — puts you on a trajectory to retire when you want to. The two most commonly cited benchmarks are the Fidelity multipliers (1x salary at 30, 3x at 40, 6x at 50, 8x at 60, 10x at 67) and the Stanley-Danko formula from The Millionaire Next Door (expected net worth = age × 10% of annual income). Both are useful starting points but have significant limitations for people with high debt, high income, or non-traditional career paths. This calculator gives you multiple benchmarks simultaneously, shows your percentile within your age and income cohort based on Federal Reserve Survey of Consumer Finances data, and tells you precisely what savings rate you need to reach each target by your goal date.

When Should You Use This?
  • →You want to know if your net worth is where it should be for your age and income
  • →You are setting a net worth goal and need a target that is realistic and retirement-oriented
  • →You want to see how your wealth compares to your age cohort's median and average
  • →You are trying to understand if your current savings rate will get you to a comfortable retirement
  • →You want to calculate the savings rate needed to catch up if you started late
  • →You are in your 30s or 40s and wondering if you are seriously behind
Example Scenario

Marcus is 38 years old, earns $88,000/year, and has a net worth of $142,000 (investments $185,000, minus student loans $43,000). The Fidelity benchmark for age 38 is roughly $220,000 (midpoint between 30 and 40 targets). The Stanley-Danko formula gives $334,400 (38 × 0.1 × $88,000). Marcus is below both common benchmarks but in the 54th percentile for his age group per Fed SCF data. He needs a 17% savings rate to reach the Fidelity 3x target by 40.

💰Net Worth by Age Target

What Should Your Net Worth Be at Your Age?

Enter your details to compare your net worth against Fidelity, Stanley-Danko, and Fed SCF peer benchmarks. Project to retirement and see savings scenarios. Results update live.

Your Wealth Profile

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Common Mistakes to Avoid
  • ✕Using mean/average net worth as a benchmark — the mean is distorted by billionaires; median is the relevant comparison
  • ✕Including home equity in retirement readiness calculations — investable assets are what fund retirement withdrawals
  • ✕Treating net worth benchmarks as fixed targets — they should be personalised to your retirement date, expenses, and Social Security estimate
  • ✕Panicking about being below benchmark rather than calculating the required savings rate to catch up — the gap is actionable
  • ✕Not separating student loan and auto loan debt from investable net worth in retirement planning — debt reduces net worth but only investable assets fund retirement
Frequently Asked Questions
Read the Guide
Are You Saving Enough for Retirement?What Your Age Means FinanciallyAre You on Track for Retirement?

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