What is a good net worth by age?
A common benchmark: by 30, have 1× salary saved. By 40, 3×. By 50, 6×. By 60, 8×. By 67, 10×. On a $100,000 salary, that's $100k by 30, $300k by 40, $600k by 50. The top 10% of 35-year-olds have $500k+ net worth; the median is around $50k.
Formula
Fidelity guideline: Net Worth Target = Annual Salary × Age Multiplier (1× at 30, 3× at 40, 6× at 50, 8× at 60, 10× at 67)
Example
Age 35, salary $120k: target = $120k × 2 = $240k. Actual: $180k invested + $50k home equity − $30k student loans = $200k net worth. Slightly behind but on track with continued 15% savings.
How it works in detail
Net worth = total assets minus total liabilities. Fidelity's benchmark (1×/3×/6×/8×/10× salary by age 30/40/50/60/67) assumes starting at 25 and saving 15% of income. If you started late, don't panic — the compound growth curve is exponential, meaning the last 10 years often double what took 20 years to build. Net worth percentiles vary wildly by age: at 35, the median American household has ~$50k but the 75th percentile has $250k and the 90th has $500k+. For FIRE planning, net worth relative to spending matters more than net worth relative to income.
See your projected net worth trajectory from today to retirement
Open Free Calculator →Related Questions
How much do I need to retire?
Multiply your annual spending by 25. If you spend $60,000/year, you need $1,500,000. This is the 4% rule from the Trinity Study (1998) — withdraw 4% annually with a 95%+ historical success rate over 30 years.
What savings rate do I need to retire early?
At a 50% savings rate, you can retire in roughly 17 years. At 65%, about 10 years. At 75%, about 7 years. The relationship is logarithmic — your savings rate matters far more than your income or investment returns for determining time to financial independence.
Plan your financial future
Pick your decision. Tap through a few screens. Get a confident answer in under 60 seconds.
Model My Decision