**What Does Age Have to Do with Net Worth?**
Your age is one of the strongest predictors of your net worth, according to a recent report by financial services company Empower. The report found that the average U.S. net worth for individuals in their 20s is $126,730.
Net worth generally increases steadily through your 30s, 40s, and 50s, before peaking in your 60s at $1,576,784. After this peak, it tends to decline as people enter retirement, when income falls and assets are withdrawn.
The data used in this report comes from Empower users in October 2025. The numbers were broken down to show the average and median net worth of individuals categorized by age.
**What Is Net Worth?**
Net worth is the total of all your assets—such as bank accounts, investments, real estate, and more—minus your liabilities, including mortgages, credit card balances, loans, and other debts. In other words, net worth is everything you own minus what you owe.
Your net worth is a snapshot of your financial health and an important tool to track your progress toward financial goals, according to Fidelity.
**Building Net Worth Over Time**
It’s important to remember that building your net worth is a process that happens over the course of your lifetime. Understanding how age relates to net worth can help you set realistic expectations and create a financial plan that grows with you.
https://www.al.com/news/2026/01/heres-the-average-americans-net-worth-at-20-30-40-50-and-beyond.html