Average Net Worth by Age UK (2026) — How Do You Compare?
The average (median) net worth by age in the UK, using ONS data, explained in plain English. See how you compare by age band and how to grow your net worth.
If you've ever wondered whether you're "on track", comparing your net worth to others your age is a natural place to start. It's not the whole story — everyone's circumstances differ — but it's a useful sense-check. This guide explains what net worth actually means, shows the typical figure for each UK age band, and gives you a free calculator to see exactly where you sit.
What is net worth?
Your net worth is simply everything you own minus everything you owe. On the "own" side that's your savings, the value of your home, your pensions, any investments or ISAs, and things like a car. On the "owe" side it's your mortgage, loans, credit-card balances and overdrafts. Subtract one from the other and you've got your net worth — a single number that captures your whole financial position, not just what's in your current account.
Average net worth by age band
Here's the typical (median) household net worth for each age band in the UK. We've used the median — the middle household — rather than the mean average, because a small number of very wealthy households pull the mean up and make it misleading for most people.
| Age band | Typical (median) net worth |
|---|---|
| 16–24 | £15,200 |
| 25–34 | £109,800 |
| 35–44 | £209,600 |
| 45–54 | £301,900 |
| 55–64 | £496,500 |
| 65–74 | £502,500 |
| 75+ | £373,100 |
Source: ONS Wealth and Assets Survey, April 2020 to March 2022 — the most recent release. Worth knowing: the ONS suspended this survey's accreditation on 13 June 2025, so these are the latest available figures rather than live ones, and are best treated as a guide. We'll always tell you how current the numbers are.
See how you compare
Enter your own figures and our free calculator shows where you sit against the UK average for your age.
Try the net worth calculator →Why net worth rises with age (and then dips)
The pattern in the table isn't an accident. In your twenties, net worth is often low or even negative — student loans, little in the way of savings, and no property. Through your thirties and forties it usually climbs as you pay down a mortgage (building equity) and your workplace pension quietly compounds in the background. It typically peaks somewhere around the late fifties to late sixties, when property is often mortgage-free and pension pots are at their fullest. After that it tends to ease back as people draw on their pensions and savings in retirement, which is exactly what those pots are for.
What counts as a "good" net worth for your age?
There's no magic number, and chasing someone else's is a quick route to feeling bad about perfectly healthy finances. A more useful question is whether your net worth is heading in the right direction. Being above the median for your age means you're ahead of roughly half of households like yours; being below it is completely normal if you're younger, live somewhere expensive, or are early in paying off a mortgage. What matters far more than today's snapshot is the trend over months and years.
How to grow your net worth
Three levers do most of the work. First, pay down expensive debt — clearing a credit card charging 20%+ is a guaranteed return you won't beat elsewhere. Second, keep your pension contributions up, because for the average UK household the pension is around a third of total wealth and employer matching is free money. Third, make your savings work — money sitting in an account paying next to nothing is quietly losing value to inflation, so it's worth checking your rate now and then. None of this is dramatic; net worth grows through steady, boring consistency, which is why seeing the trend line move is so motivating.
How to track your net worth
The hardest part of net worth isn't the sum — it's gathering the numbers. Your figure is spread across a current account here, a couple of savings accounts there, an ISA, a pension you rarely log into, maybe some Premium Bonds. That's exactly what Oinkly is for: it keeps every account, ISA, pension, Premium Bond and asset in one place, adds it all up, and shows how your net worth changes over time — so you never have to rebuild the spreadsheet.
Track your net worth for real
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