Financial Age Calculator
Enter your age, net worth and income to see your financial age.
Your financial age
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Enter values above
Your multiple of income
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Benchmark for your age
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Benchmark value
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Years ahead or behind
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Net worth needed to match your age
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Worked example
With the default inputs shown below, this calculator returns the following results:
| Input | Value |
|---|---|
| Your age | 35 |
| Net worth ($) | 120000 |
| Annual income ($) | 70000 |
| Result | Value |
|---|---|
| Your financial age | Age 34 |
| Your multiple of income | 1.7x |
| Benchmark for your age | 2x |
| Benchmark value | $140,000 |
| Years ahead or behind | -1 years |
| Net worth needed to match your age | $140,000 |
Values shown are produced by this page in your browser; change any input to update them.
How to use the Financial Age Calculator
- Your age — default 35
- Net worth ($) — default 120000
- Annual income ($) — default 70000
- Press Calculate to update the results instantly.
Frequently asked questions
They follow the widely used guideline of holding roughly one times income in savings by 30, rising to eight times by 60 and ten times by retirement. They are a rule of thumb, not a target set in stone.
Use your long-run average income rather than this year’s figure. Benchmarks are far more useful when the denominator is stable.
Exclude it for this comparison, because the benchmarks refer to investable savings. Including property equity makes the picture look better than the retirement maths supports.