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Average net worth in your 70s
Median household net worth is $433,100 in the first half of your 70s (70 to 74) and $334,700 in the second half (75 or older), 23% lower (Federal Reserve, Survey of Consumer Finances, 2022). These are two different groups of households surveyed once, not one household tracked over time. Enter your age and net worth below for your own percentile.
WealthAge is a personal finance app, on the same shelf as Copilot Money and Monarch Money. Your accounts, transactions, spending, cash flow and net worth live in one place, kept traceable to where every number came from.
Your result
Enter your own age band and net worth above and this example becomes your result.
Example percentile
A household with $334,700 is higher than about 43% of households aged 70–74.
Federal Reserve SCF 2022.
Ranked against households, the unit the Federal Reserve measures. If you entered one person’s accounts rather than a household’s, this percentile reads high.
This percentile comes from Federal Reserve data for your age band. It describes a group of households, not you.
This is a useful estimate. Your complete financial picture may change it.
WealthAge calculates your net worth from your actual accounts and obligations, alongside your spending, cash flow and resilience score, and keeps it current as your life changes.
Connect or upload to see your net worth from your real accounts.
See how it worksThe percentile ladder
Eleven percentile points show where a household lands inside each half of your 70s
The full net worth by age table prints five percentile points (10th, 25th, 50th, 75th, 90th) across all twelve five-year age bands WealthAge cuts from the Fed’s public microdata. This table prints eleven points, 10th through 99th, for just these two bands, the ones that make up your 70s. Set your own age band and net worth in the calculator above to place your figure between the printed points, rather than reading a column by eye.
| Age band | N | 10th | 20th | 30th | 40th | 50th (median) | 60th | 70th | 80th | 90th* | 95th* | 99th (floor)† |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 70–74 | 374 | $9,200 | $78,800 | $190,000 | $292,000 | $433,100 | $659,000 | $976,700 | $1,653,400 | $2,997,400 | ~$6.32M | above ~$19M |
| 75 or older | 507 | $10,000 | $75,000 | $127,700 | $220,000 | $334,700 | $464,700 | $700,600 | $1,174,000 | $2,699,000 | ~$5.83M | above ~$18M |
Values 10th through 90th rounded to the nearest $100; a ~4,600-household survey cannot support finer resolution there. *The 95th column is rounded further, to three significant figures: above the 90th percentile Federal Reserve sampling error grows quickly, so read it as approximate. †The 99th column is rounded to two significant figures and read as a floor, not an exact line: above the 99th percentile the survey sample is too thin for a precise cutoff. Households sampled: 70–74 N=374, 75 or older N=507.
Source: the Federal Reserve’s 2022 SCF Summary Extract public microdata file, downloaded from the Federal Reserve and processed by WealthAge, medians verified exact against the Fed’s own published six-band table (the finest grouping the Fed itself publishes) on 9 August 2026. The Fed publishes no eleven-point table at these bands, so the other columns are WealthAge’s own computation from that file. The same file and pipeline as the full net worth by age table and am-i-wealthy’s cutoff table; this page prints more percentile points for fewer bands than either.
In your 70s
The median at 75 or older is 23% lower than at 70–74, the only decade on this site where that is true
Median net worth is $433,100 at 70–74 and $334,700 at 75 or older, a $98,400 difference, 23% lower, from 374 and 507 sampled households (Federal Reserve SCF 2022 public microdata, computed by WealthAge). Two different groups of households were surveyed once; this is not one household’s path. Every other decade on this site shows the older band’s median at or above the younger one’s; your 70s is the only one where it is lower.
The mean-to-median ratio keeps widening even as the median falls: 4.38 times in “65–74” to 4.84 times in “75 or older” ($1,624,100 mean against a $335,600 median, Federal Reserve SCF 2022 bulletin, Table 2, verified 6 August 2026), the widest ratio of any of the six published bands. The typical household’s net worth is falling while the gap between typical and average keeps growing, which points at a smaller share of high-balance households holding a larger share of what remains in this oldest band.
Commonly attributed to retirement drawdowns continuing for longer than in the 60s, and, at the household level, the death of a spouse reducing a two-person household’s balance to an individual’s, the same mechanism the full net worth by age page’s own summary of this age range names. Medical costs late in retirement are also commonly cited in this literature, though the Federal Reserve’s net worth figures do not break out spending by category, so this page states the correlation and not a specific cause.
See this computed from your own accounts, not a published table.
The bulletin basis
Where the mean-to-median ratio above comes from
The percentile ladder above reads the Federal Reserve’s public microdata file, which has no published mean. The ratio cited in the section above instead reads the Fed’s own six-band bulletin table, a different, internal-data basis (see the full net worth by age page’s explanation of the two bases). Your 70s overlap two Federal Reserve bulletin bands: 65–74 and 75 or older.
| Fed band | Median, 2022 $ | Mean, 2022 $ | Mean ÷ median |
|---|---|---|---|
| 65–74 | $409,900 | $1,794,600 | 4.38x |
| 75 or older | $335,600 | $1,624,100 | 4.84x |
Source: Board of Governors of the Federal Reserve System, Survey of Consumer Finances, 2022 survey (fielded 2022, published October 2023), Table 2, verified against the Federal Reserve’s published bulletin on 6 August 2026, restated from the full net worth by age page’s own six-band table.
Questions
Four questions come up most about net worth in your 70s
What is the average net worth in your 70s?
Median household net worth is $433,100 at 70–74 and $334,700 at 75 or older (Federal Reserve, Survey of Consumer Finances, 2022, computed by WealthAge from the public microdata and verified against the Fed’s own published table). Mean net worth, pulled higher by a small number of large balances, runs well above both medians. The Federal Reserve publishes means only for its wider six-band groupings, “65–74” and “75 or older,” neither of which matches your 70s specifically: there is no published mean for 70–74 or 75 or older on their own.
How much does net worth grow across your 70s?
Median net worth is $433,100 at 70–74 and $334,700 at 75 or older, about 23% lower in the older band (Federal Reserve SCF 2022 public microdata, computed by WealthAge). That figure describes the difference between two independently sampled age bands, not any one household’s own path from one age to another.
Why does net worth fall after age 75?
Median net worth is $433,100 at 70–74 and $334,700 at 75 or older, 23% lower (Federal Reserve SCF 2022), the only decade on this site where the older band’s median is lower than the younger one’s. Commonly attributed to retirement drawdowns continuing for longer, and, at the household level, the death of a spouse reducing a two-person household’s balance to an individual’s. The mean-to-median ratio widens over the same span (4.38 to 4.84 times, bulletin figures), meaning the gap between typical and average grows even as the typical figure itself falls.
Why is this 2022 data?
The Federal Reserve fields its Survey of Consumer Finances every three years: 2019, then 2022, with the next wave, SCF 2025, expected to publish in late 2026 (see the standing re-issue commitment in the limits section below). Newer-looking numbers exist, but none replace it. Bank and fintech posts about "average net worth" are usually model-derived estimates from their own account holders, not a representative national sample. App-dashboard aggregates cover only the people who use that app, a self-selected group already engaged with their finances. Perception surveys ask what people think net worth figures should be, not what households actually hold. The SCF is the survey built for this question: a representative cross-section of U.S. households interviewed every three years about their actual assets and debts, with the detail needed for percentiles. Checked 14 August 2026: no newer wave has published.
Limits
These figures describe a population in 2022, not your situation today
Sampling. The 70–74 band is built from 374 sampled households and the 75 or older band from 507, both weighted to represent the national population. That is a sound basis for the middle of each band’s distribution and a noisier one above the 90th percentile, where a handful of very high-balance sampled households can shift the top of the ladder substantially.
Vintage. These are 2022 figures. Household wealth has moved since the survey was fielded, in both directions depending on the household. The next SCF wave is expected to publish in late 2026; this page is re-issued when it does.
What the calculator can’t see. It only sees the age band and net worth you select and enter. It has no visibility into your income, your debts, your insurance coverage, or how quickly your specific assets could actually convert to cash. A percentile is a position, not a plan.
Methodology
Every figure on this page traces to a dated source
The percentile ladder and the rank tool above read the Federal Reserve’s 2022 SCF Summary Extract public microdata file, downloaded from the Federal Reserve and processed by WealthAge, computed by WealthAge, with its medians verified exact against the Fed’s own published six-band table (the finest grouping the Fed itself publishes) on 9 August 2026; the Fed publishes no eleven-point table at these bands, so the other percentile columns are WealthAge’s own computation from that file. The six-band bulletin figures further up this page are a different basis, the Fed’s own internal, non-public dataset; see the full net worth by age page’s fuller methodology for the distinction and the full pipeline, which this page does not repeat. The calculation runs in your browser. The figures you enter are used only to draw your result on this page.
Data: Federal Reserve SCF 2022 (published Oct 2023). This page re-issues when SCF 2025 publishes (expected late 2026). Published 14 August 2026.
Corrections: 2026-08-14: first publication.
A percentile is where you stand today. Survival is what happens next.
The ladder above describes a population and a moment, both from 2022 data. What survives a real shock is your own arithmetic, not a percentile.
One limit, plainly: the calculator sees only what you select and enter, and your percentile only places your net worth against public data.
WealthAge keeps this next to your real accounts, connected or uploaded.
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