How Much Money Should You Have by Every Age?
Net worth benchmarks, retirement savings multiples, and financial milestones from 20 to 70 — based on Federal Reserve Survey of Consumer Finances data and Fidelity's widely-cited salary multiples.
The Financial Timeline
Net Worth Benchmarks at a Glance
| Age | Median NW | Average NW | Income | Retirement Target |
|---|---|---|---|---|
| 20 | $9K | $55K | $32K | 0x |
| 25 | $20K | $100K | $42K | 0.25x |
| 30 | $48K | $250K | $55K | 1x |
| 35 | $80K | $400K | $60K | 2x |
| 40 | $130K | $550K | $65K | 3x |
| 45 | $180K | $750K | $65K | 4x |
| 50 | $280K | $1.1M | $62K | 6x |
| 55 | $400K | $1.5M | $58K | 7x |
| 60 | $500K | $1.8M | $52K | 8x |
| 65 | $410K | $1.7M | $40K | 10x |
| 70 | $350K | $1.5M | $35K | 10x |
Data approximated from the Federal Reserve Survey of Consumer Finances. Retirement multiples follow Fidelity's guidelines. These are educational benchmarks, not financial advice.
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