Wealth Multiple By Age Calculator
Compare your net worth to your income as a multiple, and see how you stack up against the age-based benchmarks used by planners.
How it works
Wealth multiple = net worth ÷ income · Expected net worth = age × income ÷ 10 (Stanley) · Age benchmark from 1×/3×/6×/8×/10× milestones (Fidelity)
A wealth multiple expresses your net worth in years of income, which travels across salary levels better than a raw dollar figure. Two common yardsticks exist: Fidelity’s savings milestones (1× salary by 30, 3× by 40, up to 10× by 67) and the "Millionaire Next Door" rule that expected net worth equals age times income divided by ten. Beating twice that expected figure marks you, in Stanley’s terms, a prodigious accumulator of wealth.
Worked example
At age 40 earning $90,000 with $250,000 invested, the multiple is 250,000 ÷ 90,000 = 2.8×. The Fidelity target at 40 is 3×, and the expected net worth is 40 × 90,000 ÷ 10 = $360,000 — so this saver is a touch below both benchmarks.
Frequently asked questions
Which benchmark should I trust?
Both are rough guides, not rules. Fidelity’s milestones assume retirement around 67 on a typical savings path; Stanley’s formula is a snapshot of accumulation habits. Use them to gauge direction, not to grade yourself precisely.
Should I count home equity?
These benchmarks are usually applied to investable assets — retirement and brokerage accounts — because your home does not fund withdrawals. This calculator uses investable net worth for that reason.
What if I am well below the benchmark?
Age benchmarks are cumulative and reward early starts, so a late start naturally lags. Focus on your savings rate and time in the market; the multiple catches up faster than most people expect once compounding takes hold.
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Educational estimate, not financial advice. Investment returns are not guaranteed.