Net Worth Calculator by Age 60+
Calculate your net worth at age 60 and up, compared with the Federal Reserve SCF median for households 65 and older.
Assets and debts are totaled in your browser — your full financial picture stays on your device.Try: Cash & savings=15000, Investment accounts=40000, Home value=320000, Retirement accounts (401k/IRA)=60000, Vehicle value=18000, Other assets=5000, Mortgage balance=250000, Auto loan=8000, Credit card debt=2000, Student loan=15000, Other debt=0, Your age (for percentile)=67 → $458,000, $275,000, $183,000, $70,000, $53,000, 60.0%
How to use
For the 65-and-up bucket the SCF 2023 median net worth is about $302,300. Near and in retirement, the mix matters: how much is liquid, how much is home equity, and how much is locked in retirement accounts you’ll draw down.
FAQ
What is a typical net worth at this age?
The Federal Reserve’s Survey of Consumer Finances (2023) reports medians that climb steeply with age: roughly $18,000 under 35, about $90,000 at 35–44, and over $275,000 by 55–64. The median is the middle household, not an average.
Should I compare myself to the average or the median?
Use the median. The average is pulled up by a small number of very wealthy households, so it makes most people feel behind. The median is the more honest yardstick for “where do I stand.”
My number is below the median — what now?
A single snapshot doesn’t tell the story. Focus on the trend: are you paying down debt and adding to savings each year? Consistent contributions and a falling debt-to-asset ratio matter more than today’s rank.