Net Worth Calculator

Net worth benchmarks vary by age, but here are general guidelines:

THOMAS STANLEY'S FORMULA (from "The Millionaire Next Door"):
Expected Net Worth = (Age × Pre-tax Income) / 10

Example:
Age 40, Income $100K: Expected Net Worth = $400,000

AVERAGE NET WORTH BY AGE (U.S. Median):
• Under 35: $14,000 (Median), $76,000 (Average)
• 35-44: $91,000 (Median), $436,000 (Average)
• 45-54: $168,000 (Median), $834,000 (Average)
• 55-64: $256,000 (Median), $1.2M (Average)
• 65+: $279,000 (Median), $1.2M (Average)

PERCENTILE BENCHMARKS (Age 35-44):
• Bottom 25%: Below $10,000
• Median (50th percentile): $91,000
• Top 25%: Above $350,000
• Top 10%: Above $830,000
• Top 1%: Above $3.5M

MORE REALISTIC TARGETS BY AGE & INCOME:
Age 25 ($50K income): $10K-25K (just starting)
Age 30 ($70K income): $50K-150K
Age 40 ($100K income): $250K-500K
Age 50 ($120K income): $600K-1M
Age 60 ($120K income): $1.2M-2M

Don't compare to "average" - compare to yourself last year!

Factors that affect your target:
• High income earners should have higher net worth
• Late career starters may be behind early
• Location matters (HCOL vs LCOL areas)
• Student loans delay wealth building
• Inheritance/gifts can skew numbers

Focus on growth rate: Aim to increase net worth by 10-20%/year through savings and investment returns.