Net Worth Benchmark by Age Calculator

What Should Your Net Worth Be at Your Age?

Use this free calculator to see how your net worth compares to benchmarks based on your age and income. The net worth benchmark formula from The Millionaire Next Door is:

(Age × Annual Income) ÷ 10 = Expected Net Worth

For example, a 35-year-old earning $80,000 should have a net worth of at least $280,000. A "Prodigious Accumulator of Wealth" (PAW) has twice the benchmark amount.

Net Worth Benchmarks by Age (Examples)

Age	Income	Benchmark Net Worth	PAW (2×)
30	$60,000	$180,000	$360,000
35	$80,000	$280,000	$560,000
40	$100,000	$400,000	$800,000
45	$120,000	$540,000	$1,080,000
50	$150,000	$750,000	$1,500,000

How to use: Enter your age, net worth, income, and savings rate below. The chart shows how your wealth will grow over time compared to the benchmarks. Adjust your savings rate to see how quickly you can reach your target.

For Business Owners & Founders

You're pouring years into your company. But is it actually building your wealth – or just the business's? This calculator helps you answer the hard questions:

1. Without a massive exit, how will my founder salary impact my net worth over 10-20 years?
2. Am I falling behind? Would I be wealthier taking a high-paying job instead?
3. What salary do I need to hit my wealth goals while running this business?
4. Am I paying myself enough to build wealth outside the company?

Tips: A 20% savings rate is a solid foundation; 30%+ accelerates wealth building significantly. For rate of return, use 5-7% for a diversified stock/bond portfolio (this is a real, inflation-adjusted estimate).

Disclaimer: This calculator is for educational purposes only. It assumes constant income, savings rate, and returns. This is not personalized financial advice. Consult a fiduciary financial advisor for guidance tailored to your situation.