Are You Richer Than Your Peers? Here’s The Net Worth It Takes At Every Age To Be In The Top 10%

You’ve probably heard that “comparison is the thief of joy.” And sure, nobody wants to turn their finances into a competitive sport. But sometimes, curiosity gets the best of us—you just want to know how you measure up.

So, if you’ve ever wondered whether you’re quietly keeping pace with your peers—or way ahead of the pack—a breakdown of net worth benchmarks at every age might give you some insight.

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According to the Federal Reserve’s latest data, the median net worth for U.S. households is $192,900. That’s the middle point—half of households have less than that, and half have more.

But the average net worth tells a different story, coming in at $1.06 million.

That number often throws people off. When people hear “average,” they usually think it reflects what most individuals have. But in reality, the average gets pulled way up by a small number of very wealthy households. Most Americans have far less than that million-dollar figure. That’s why financial experts focus on the median when they want to give a clearer picture of where the typical household stands.

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If you want to see how your net worth compares to the wealthiest 10% of Americans in your age group, here’s what it takes:

• Ages 18 to 34: You’d need at least $372,120

• Ages 35 to 44: At least $1,042,300

• Ages 45 to 54: At least $1,956,000

• Ages 55 to 64: At least $2,960,900

• Ages 65 to 74: At least $2,997,300

• Ages 75 to 99: At least $2,681,400

For example, if you’re in your mid-50s, you’d need almost $3 million in net worth to be in the top 10% for your age.

Several factors contribute to these steep benchmarks:

• Home equity: Many in the top 10% own valuable real estate that’s appreciated significantly over time.

• Investment growth: Long-term investing in stocks, retirement accounts, and other assets can compound wealth dramatically, especially for older age groups.

• Business ownership: Some households build wealth through private businesses or side ventures.

• Inheritance and family wealth: In some cases, family money or inheritances push net worth figures higher.