U.S. Average Net Worth by Age 80

The U.S. median net worth is $258,531 for 70-74 year olds and $272,976 for 75-79 year olds. The median net worth for individuals over 80 is $235,193.

This article shows American median net worth by age percentiles for people in their 70s and 80s.


What is net worth?

Net worth is the most important measure of personal wealth. Net worth is the value of assets minus all debts. It is what you own less what you owe.

The formula for net worth is net worth = total assets – total liabilities.

net worth formula
Net Worth Formula

What is the average U.S. net worth?

The U.S. average net worth is $748,800. However, a better comparison is the median net worth of $121,700.

For people in their 70s, the median net worth is $258,531 for 70-74 year olds and $272,976 for 75-79 year olds.

For people in their 80s and older, the median net worth is $235,193.

AgeMedian Net WorthAverage Net Worth
Ages 70-74 $258,531$1,173,653
Ages 75-79$272,976$945,480
Ages 80+$235,193$973,141
Average and Median Net Worth by Age 80 and Older

The median is a better number to compare than the average. The median is the 50th percentile. Half of the families are above and half are below. The average is increased by large amounts in the top 1%.

For example, the average net worth of $945,480 for ages 75-79 is in the 83rd percentile. 83% of households are below and only 17% are higher.

It’s not what you make, it’s what you save.

Net worth normally grows with age, so it’s a good number for comparison. Younger people have less wealth, so it is important to compare net worth by age.

The U.S. net worth by age data comes from two sources:

Net worth by age

The following graph shows the 2019 U.S. household median net worth by age. The Federal Reserve publishes this report every three years. The next report will be released in 2023.

Median Net Worth by Age


Net worth by age 80

Americans in their 70s have higher net worth than the median.

According to the DQYDJ Net Worth by Age Calculator about 3% of people in their 50s have a negative net worth.


Average net worth by age 75

The following table shows net worth by age 75 sorted by percentiles.

Here is how to understand the percentiles for 70-74 year olds:

  • 25th percentile of $70,081 means that 25% are below and 75% above this net worth.
  • 50th percentile of $258,531 is the median. Half are above and half below this net worth.
  • 90th percentile of $1,966,166 is in the top 10% of net worth. 90% of households are below this net worth.
Net Worth PercentileAges 70-74
10$8,897
20$48,268
25$70,081
30$108,710
40$177,332
50$258,531
60$387,924
70$619,696
75$816,274
80$969,869
90$1,966,166
Median Net Worth Ages 70-74

The 99th percentile or top 1% for 70-74 years olds is estimated at $12.6 million.

Here is the graph for net worth for ages 70-74 in percentiles.

Median Net Worth by Ages 70-74
Median Net Worth by Ages 70-74

What is a good net worth by age 75?

Here are net worth goals for 70-74 year olds. Compare your net worth with your age group.

Net Worth GoalsAges 70-74
Below AverageBelow $258,531
AverageAbove $258,531
GoodAbove $816,274
GreatAbove $1,966,166
Net Worth Goals Ages 70-74

For a good net worth by age 75, aim for the 75th percentile of $816,274 and above.


Average net worth by age 80

The following table shows net worth by age 80 sorted by percentiles.

Here is how to understand the percentiles for 75-79 year olds:

  • 30th percentile of $126,701 means that 30% are below and 70% are above.
  • 50th percentile of $272,976 is the median. Half are above this net worth. The other half is below.
  • 80th percentile of $792,966 is in the top 20% of net worth by their age group. 80% of households are below this net worth.
Net Worth PercentileAges 75-79
10$4,958
20$60,158
25$83,500
30$126,701
40$203,146
50$272,976
60$365,083
70$491,256
75$611,857
80$792,966
90$1,541,480
Median Net Worth Ages 75-79

The 99th percentile or top 1% for 75-79 years olds is estimated to be $12.8 million.

Here is the graph for net worth for ages 75-79 in percentiles.

Median Net Worth by Ages 65-69
Median Net Worth by Ages 65-69

What is a good net worth by age 80?

Here are net worth goals for 75-79 year olds. This table is helpful to compare your net worth with your age group.

Net Worth GoalsAges 75-79
Below AverageBelow $272,976
AverageAbove $272,976
GoodAbove $611,857
GreatAbove $1,541,480
Net Worth Goals Ages 75-79

For a good net worth by age 80 aim for the 75th percentile of $611,857.


Average net worth by age 80+

The following table shows net worth by age 80+ sorted by percentiles.

Here is how to understand the percentiles for people in their 80s:

  • 25th percentile of $70,081 means that 25% are below and 75% above this net worth.
  • 50th percentile of $258,531 is the median. Half are above and half below this net worth.
  • 90th percentile of $1,966,166 is in the top 10% of net worth. 90% of households are below this net worth.
Net Worth PercentileAges 80+
10$18,496
20$84,118
25$107,664
30$121,781
40$182,768
50$235,193
60$318,432
70$442,145
75$589,233
80$788,862
90$1,655,537
Median Net Worth Ages 80+

The 99th percentile or top 1% for 80 year olds is estimated at $9.9 million.

Here is the graph for net worth for 80 year olds in percentiles.

Median Net Worth by Ages 80+
Median Net Worth by Ages 80+

What is a good net worth for 80 year olds?

Here are net worth goals for 80 year olds. Compare your net worth with your age group.

Net Worth GoalsAges 80+
Below AverageBelow $235,193
AverageAbove $235,193
GoodAbove $589,233
GreatAbove $1,655,537
Net Worth Goals Ages 80+

For a good net worth in the 80s, aim for the 75th percent of $589,233.


15 tips to increase your net worth

Here are some tips to increase your net worth. Remember, net worth is assets minus debts. So, you need to increase assets and decrease debts.

  1. Save every month. Make savings a habit.
  2. Pay off credit cards fast. Avoid credit card debt if you can.
  3. Pay off all your debts especially any non mortgage loans.
  4. Invest in stocks using low-cost index funds
  5. Investments are better than savings. (Use total stock market index funds like VTSAX or SWTSX.)
  6. Let your investments grow using compound interest. (Remember the Rule of 72)
  7. You need a plan, so make and follow a budget.
  8. Invest in a retirement plan at work like a 401k and a Roth IRA.
  9. Increase your income to increase your investments.
  10. Control spending so you can save and invest more.
  11. Track your net worth and update it annually.
  12. Compare your net worth to your age.
  13. Increase your skills to improve your income. Learn to earn.
  14. Owning a home is an investment. Homeowners typically have higher net worth
  15. Be patient because net worth grows with age and income.


Net worth calculator

Here is a net worth calculator to compute your net worth.


More on net worth

What is Net Worth?

U.S Average Net Worth by Age

U.S. Average Net Worth by Age 30

U.S. Average Net Worth by Age 40

U.S. Average Net Worth by Age 50

U.S. Average Net Worth by Age 60

U.S. Average Net Worth by Age 70

U.S. Average Net Worth by Age 80


Jeff Mankin

Jeff Mankin teaches financial literacy. His website is FinallyLearn.com.

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