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Open the Net Worth Calculator →Net worth is your financial scoreboard: everything you own minus everything you owe. Knowing where you stand relative to your age group is a useful reality check — but remember, median (middle value) is far more useful than mean (average), which is skewed by billionaires.
| Age Group | Median Net Worth | Mean Net Worth |
|---|---|---|
| Under 35 | $39,000 | $183,000 |
| 35–44 | $135,000 | $549,000 |
| 45–54 | $247,000 | $975,000 |
| 55–64 | $365,000 | $1,566,000 |
| 65–74 | $410,000 | $1,794,000 |
| 75+ | $335,000 | $1,624,000 |
| Age Group | Median Net Worth |
|---|---|
| 16–34 | £30,000 |
| 35–44 | £110,000 |
| 45–54 | £230,000 |
| 55–64 | £370,000 |
| 65–74 | £430,000 |
South Africa lacks regular published median net worth surveys. However, a useful rule of thumb from local financial planners:
| Age | Retirement Savings Target (RA/Pension) | Goal |
|---|---|---|
| 30 | R150,000+ | 1× annual salary saved |
| 40 | R600,000+ | 3× annual salary |
| 50 | R1,500,000+ | 6× annual salary |
| 60 | R3,000,000+ | 10× annual salary |
Student debt, car loans, and no time for investments to grow mean many under-35s have a negative or near-zero net worth. This is normal. The trajectory matters more than the number: someone going from −$20k to $0 to $50k in their 30s is on a great path.
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Open Net Worth Calculator →A 25-year-old who invests $500/month at 7% annual return reaches $1.3 million by 65. A 35-year-old doing the same reaches only $606,000. The 10-year head start is worth $700,000. The most powerful action you can take for net worth at any age is to start — or restart — today.