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Net Worth Milestones by Age Cheat Sheet
Target net worth benchmarks by age based on income multiples, median data, and wealth-building strategies for each life stage.
Net Worth Targets (Multiple of Annual Income)
| Item | Value |
|---|---|
| Age 25 | 0.25× annual income |
| Age 30 | 1× annual income |
| Age 35 | 2× annual income |
| Age 40 | 3× annual income |
| Age 50 | 6× annual income |
| Age 60 | 8× annual income |
| Age 65 | 10× annual income |
US Median Net Worth by Age (Federal Reserve 2022)
| Item | Value |
|---|---|
| Under 35 | $39,000 median |
| 35–44 | $135,600 median |
| 45–54 | $247,200 median |
| 55–64 | $364,500 median |
| 65–74 | $409,900 median |
| 75+ | $335,600 median |
Key Wealth-Building Actions by Stage
| Item | Value |
|---|---|
| 20s | Emergency fund (3–6 mo), employer 401k match, avoid high-interest debt |
| 30s | Max retirement accounts, invest consistently, build home equity |
| 40s | Catch-up contributions, diversify income, plan kids' college |
| 50s | Peak earning years, eliminate debt, model retirement scenarios |
| 60s | Finalize retirement plan, optimize Social Security timing, estate planning |
Tip: Use landscape orientation for wider tables
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