Around 65, many households stop adding to savings and start drawing on them. The median net worth for households headed by someone aged 65–69 is $436,800, with an average of $1,818,400. These are a wealthvieu calculation from the Fed’s public SCF data, because the Fed’s own tables use broader age groups. See how yours compares using the net worth percentile calculator.
Net Worth at 65 by Percentile
| Households Headed by Someone Aged 65-69 | Net Worth |
|---|---|
| 25th percentile | $110,600 |
| Median | $436,800 |
| Average (mean) | $1,818,400 |
| 75th percentile | $1,304,200 |
| 90th percentile | $3,458,500 |
Source: Federal Reserve, 2025 Survey of Consumer Finances, public data (2025 dollars). Families grouped by the age of the household head; percentiles computed from the survey's weighted records. Based on about 420 surveyed families, so treat single-band figures as approximate.
Is Your Net Worth Good at 65?
| Net Worth | Share of Households Aged 65-69 With Less | Where That Puts You |
|---|---|---|
| $10,000 | 12% | Below the median |
| $50,000 | 18% | Below the median |
| $100,000 | 24% | Below the median |
| $200,000 | 32% | Below the median |
| $250,000 | 39% | Below the median |
| $500,000 | 53% | Above the median |
| $1,000,000 | 69% | Above the median |
| $2,000,000 | 82% | Top 25% |
| $3,000,000 | 88% | Top 25% |
| $5,000,000 | 93% | Top 10% |
Source: Federal Reserve, 2025 Survey of Consumer Finances, public data (2025 dollars). Families grouped by the age of the household head; percentiles computed from the survey's weighted records. Share with a net worth below each amount, from about 420 surveyed families.
Is $3 million good at 65? $3 million is more than about 88% of households aged 65-69 have. That’s a strong position for your age.
Salary benchmark
Fidelity’s final marker is about 10× your salary by 67, the full Social Security retirement age for people born in 1960 or later. On a $90,000 final salary, that means roughly $900,000 in retirement savings.
Late 60s: Net Worth Stays High
Net worth stays high through the late 60s and beyond: in the 2025 survey, the median for households headed by someone aged 65–74 is above that of every younger age group, and the median for those 75 and older is higher still. For households near the median, much of that wealth is home equity, so Social Security is usually the main income source. Coordinating withdrawals from traditional and Roth accounts can lower lifetime taxes.
Compare Other Ages
- Average net worth at 60
- Average net worth at 70
- Average net worth by age (all ages)
- Net worth percentile by age calculator
- Net worth goals by age
Part of the net worth guide.
Sources
- Board of Governors of the Federal Reserve System. “Survey of Consumer Finances” (2025 public data). federalreserve.gov/econres/scfindex.htm
- Fidelity Investments. “How much do I need to retire?” fidelity.com
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