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New Plootus wealth analysis shows wealth concentration skews national averages, with liquid retirement savings accounting for less than half of total household net worth.
NEW HAVEN, Conn. - Hartok -- Plootus today published its Average Net Worth by Age Report, based on Federal Reserve Survey of Consumer Finances (SCF) data and 2026 financial benchmarks. While the overall average U.S. household net worth is $1,063,700, top-heavy wealth concentration skews this figure; the median net worth sits at $192,700.
The report emphasizes that net worth and retirement readiness are distinct metrics. Home equity accounts for ~35% of total household wealth for average families, meaning "usable retirement net worth" (liquid retirement and taxable accounts) represents only 40–60% of total wealth.
"Comparing yourself to the $1 million average net worth can be misleading," said the Plootus Research Team. "The median figure provides a far more accurate benchmark for where middle-class households stand."
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Key Findings:
The report provides actionable frameworks to convert illiquid net worth into sustainable retirement income, highlighting home equity downsizing and liquid portfolio optimization.
"Having a high net worth on paper doesn't automatically guarantee a comfortable retirement," the Plootus Research Team noted. "Ensuring a sufficient portion of your wealth is held in liquid, income-generating assets is key."
More on hartok.com
The full report is available at https://www.plootus.com/average-net-worth-by-age.
ABOUT PLOOTUS
Plootus is a free, AI-powered retirement planning platform that helps Americans analyze and optimize their 401k, 403b, 457, and other workplace retirement plans.
Analyze Future LLC (dba Plootus) is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training.
Disclaimer: Analyze Future LLC (dba Plootus) may receive compensation for referrals to third-party products and services listed on its Partners page. These referrals are for informational purposes only and do not constitute an endorsement or recommendation. Plootus has not conducted due diligence on, nor assumes responsibility for, any third-party offerings. Users are encouraged to evaluate these options independently before making any decisions.
The report emphasizes that net worth and retirement readiness are distinct metrics. Home equity accounts for ~35% of total household wealth for average families, meaning "usable retirement net worth" (liquid retirement and taxable accounts) represents only 40–60% of total wealth.
"Comparing yourself to the $1 million average net worth can be misleading," said the Plootus Research Team. "The median figure provides a far more accurate benchmark for where middle-class households stand."
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Key Findings:
- Average vs. Median Split: Average net worth ($1.06M) is over 5x higher than median net worth ($192,700) across all age groups.
- Age Group Benchmarks:
- Under 35: Median $39,000 (Avg. $183,500)
- Ages 45–54: Median $247,200 (Avg. $975,800)
- Ages 65–74: Median $409,900 (Avg. $1,794,600)
- Asset Composition: Home equity makes up ~35% of net worth, retirement accounts ~30%, other investments ~20%, and cash/vehicles ~15%.
- Fidelity Salary Benchmarks: Target retirement multiples stand at 1x salary at age 30, 3x at age 40, 6x at age 50, and 10x at age 67.
The report provides actionable frameworks to convert illiquid net worth into sustainable retirement income, highlighting home equity downsizing and liquid portfolio optimization.
"Having a high net worth on paper doesn't automatically guarantee a comfortable retirement," the Plootus Research Team noted. "Ensuring a sufficient portion of your wealth is held in liquid, income-generating assets is key."
More on hartok.com
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The full report is available at https://www.plootus.com/average-net-worth-by-age.
ABOUT PLOOTUS
Plootus is a free, AI-powered retirement planning platform that helps Americans analyze and optimize their 401k, 403b, 457, and other workplace retirement plans.
Analyze Future LLC (dba Plootus) is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training.
Disclaimer: Analyze Future LLC (dba Plootus) may receive compensation for referrals to third-party products and services listed on its Partners page. These referrals are for informational purposes only and do not constitute an endorsement or recommendation. Plootus has not conducted due diligence on, nor assumes responsibility for, any third-party offerings. Users are encouraged to evaluate these options independently before making any decisions.
Source: Analyze Future LLC
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