Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moYour 30s are when compound interest does its quietest, most powerful work. Where you stand at 30 matters far less than where you're aiming.
Median net worth at 30
~$39,000
Top 25% threshold
~$120,000
Top 10% threshold
~$300,000
Fidelity target (1× income)
~$60K–$100K
Median 30-year-old has about $39K — heavily skewed by student loans on one side and inherited wealth on the other. A more useful benchmark: 1× your annual income (Fidelity rule), or roughly $60K–$120K for a typical college-educated earner.
But here's the truth: at 30, your habits matter 10× more than your balance. A 30-year-old with $20K and a 25% savings rate retires before a 30-year-old with $200K and a 5% savings rate.
Capture every dollar of 401(k) match. Open and max a Roth IRA ($7,000/yr). Keep housing under 25% of gross income. Avoid the 'lifestyle inflation' trap — every raise should bump savings rate, not just spending.
At 30 your balance barely predicts your outcome — your savings rate and time do. PeakWorth takes whatever you have today and runs it through a year-by-year deterministic simulation to age 95, folding in your income, contributions, employer match, taxes, and spending, so the benchmark becomes a personal trajectory rather than a ranking.
The result is your FI Age — the year your portfolio reaches ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses. With 35+ working years of compounding ahead, that year is enormously sensitive to the savings rate you set now, and PeakWorth shows exactly how much each percentage point pulls it forward.
Generic articles can only go so far. PeakWorth runs every scenario against your real income, expenses, and goals — so you see the dollar-and-year impact of every decision before you make it.
$60K–$120K (1–1.5× income) puts you on solid track. $300K+ puts you in the top 10%. Negative is common with student loans and not catastrophic if you're saving.
Save 20–25% of income for the next decade. That single change typically moves PeakWorth by $1M+.
Far from it. At 30 you have 35+ years of compounding, so your savings rate matters far more than your starting balance. PeakWorth projects your FI Age from today's number and shows how quickly a higher savings rate moves it.
More than at any other age, because each dollar compounds the longest. PeakWorth models your actual plan and reports the FI-Age difference between savings rates, so the benchmark becomes a dated year you can move.
Calculators, true-cost pages, and audience playbooks across the PeakWorth network.
Built for
PeakWorth for young professionals
Set the foundation in your 20s, retire 10 years earlier.
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Benchmarks
Net worth by age
Where you stand at every age, by percentile.
Benchmarks
Average net worth in America
Mean, median, by age, by region.
Free calculator
Income growth projection
Project your salary 5, 10, 30 years out.
Benchmarks
Net Worth by Age — 2026 Benchmarks + Where You'll Actually Peak
Benchmarks
How Much Should You Have Saved by Age? (And Why The Standard Rules Are Wrong)
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Net Worth at 40 — What's Good, What's Behind, And How To Catch Up
Scenarios
If You Save 20% of Income, How Long Until Financial Independence?
PeakWorth is the financial decision engine for households — your Personal Financial Strategy OS, a real-time engine that calculates every decision's impact on your future. The Decision Hub, an AI advisor, and a live projection that show you exactly how each move shapes your wealth and your FI Age.
