Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moBenchmarks tell you where you stand. PeakWorth™ tells you where you're going. Both matter — only one of them is changeable.
Median net worth, under 35
$39,000
Median, 35–44
$135,300
Median, 45–54
$246,700
Median, 55–64
$364,500
Federal Reserve Survey of Consumer Finances data, updated for inflation. Medians (50th percentile) and top-10% thresholds give the realistic and aspirational anchors:
Median net worth is a snapshot of where people ARE — not where they're HEADED. A 30-year-old with $50K and a 25% savings rate beats a 30-year-old with $200K and a 5% savings rate by retirement. Trajectory beats starting line.
PeakWorth's quick-start projects your trajectory based on your real income, savings, and goals — so you can see your actual finish line, not just your current standing.
A percentile tells you where you rank today; it says nothing about the year work becomes optional. PeakWorth takes your current net worth — wherever it falls against these medians — and runs it forward through a year-by-year deterministic simulation to age 95, folding in your income, savings rate, employer match, taxes, and spending.
The output is your FI Age: the year your portfolio crosses ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses. That reframes 'am I above or below the median?' into 'given where I am, what year can I stop?' — and shows how much each decade of saving moves that year, which a static benchmark table can never do.
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.
Median household net worth is ~$192,700 (2026 estimate). Average is ~$1.06M (skewed heavily by the wealthy). Median is the more meaningful benchmark.
See the bullets above for medians by decade. Top-10% thresholds are typically 6–8× the median.
If you're earning median income and want median outcomes, yes. If you want financial independence, target 2–3× the median for your age.
Not necessarily — a high net worth relative to your age only matters against your spending. $1M is early-retirement money on a $40K lifestyle and merely a checkpoint on a $100K one. PeakWorth maps your balance onto your actual FI Age so the percentile becomes a dated year.
It depends on your savings rate from here, not just today's balance. PeakWorth models your real trajectory and reports the FI-Age gap between your current path and a higher-savings path, so 'ahead of the median' becomes a specific number of years sooner.
Calculators, true-cost pages, and audience playbooks across the PeakWorth network.
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Net worth calculator
What you own minus what you owe — and your percentile.
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Wealth aggregator vs decision engine.
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PeakWorth vs Robo-Advisor
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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.
Benchmarks
Net Worth at 30 — Are You On Track? (2026 Benchmarks + Projection)
Benchmarks
Net Worth at 40 — What's Good, What's Behind, And How To Catch Up
Benchmarks
Net Worth at 50 — Behind, Ahead, And The Year You Can Stop
Benchmarks
How Much Should You Have Saved by Age? (And Why The Standard Rules Are Wrong)
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.
