---
title: Average net worth by age in the US: Are you on track?
url: https://wealthscout.app/updates/average-net-worth-by-age-us
category: Net worth
updated: 2026-08-23
---

# Average net worth by age in the US: Are you on track?

Source: https://wealthscout.app/updates/average-net-worth-by-age-us

US household net worth grows steadily with age, peaking at $410,000 between ages 65 and 74. While the Federal Reserve median provides a useful official benchmark, it is heavily skewed by the top 1%. Tracking your own specific household figures is the only way to forecast your financial future.

## Takeaways

- The median American household wealth is a far more accurate benchmark than the average, which is heavily skewed by the top 1%.
- A high net worth percentile means very little if a single medical emergency can wipe out your liquid assets.
- Maxing out your 401(k) is great, but national benchmarks cannot tell you when you can actually afford to stop working.

**Scope.** This guide references broad Federal Reserve statistical trends. Exact figures change with each reporting cycle. Do not use national averages as financial advice or as a definitive measure of your financial security.

## Move from comparison to forecasting


## Questions

## Sources

- [Survey of Consumer Finances (2022)](https://www.federalreserve.gov/econres/scfindex.htm) — Federal Reserve