Net Worth for Retirees: How To Tell Whether You’re Poor, Middle Class or Rich

2 hours ago 3

Josephine Nesbit

Tue, December 23, 2025 astatine 6:15 AM CST 4 min read

Your nett worthy is the full effect of your savings, investments and assets minus debts, and successful retirement, it’s 1 of the astir close measures of fiscal wellness aft you halt working. Unlike income, which often decreases erstwhile you retire, nett worthy reveals whether you’re financially unafraid — and which wealthiness people you autumn into.

Here’s a look astatine nett worthy ranges for retirees, truthful you tin spot whether you autumn into the poor, mediate people oregon affluent category.

In retirement, your economical people tin beryllium broadly categorized into 4 chiseled groups, each defined by its nett worthy and fiscal capabilities, ranging from retirees with constricted resources to the wealthy. According to Moneywise, present are the nett worthy categories of the poor, mediate people (and upper-middle class) and rich:

Poor retirees: Poor retirees are successful the little 20th percentile and whitethorn person a nett worthy of astir $10,000. This is often without spot ownership, forcing galore to trust chiefly connected Social Security oregon minimal pensions.
Middle-class retirees: Comprising the 50th percentile, with a median nett worthy of astir $281,000, this radical typically includes location equity, status savings, and a 401(k) plan.
Upper-middle-class retirees: These retirees person a nett worthy betwixt $201,800 and $608,900. They person diversified assets and bask a comfy status cushion.
Rich retirees: In the 90th percentile, with nett worthy starting astatine $1.9 million, this radical has overmuch much fiscal state and is capable to spend luxuries and bequest planning.

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According to information from the Federal Reserve, the mean nett worthy for those aged 65 to 74 was $1,794,600, which is much than 4 times the median nett worthy of $409,900. This important quality is due to the fact that the super-wealthy skew the mean overmuch higher.

Although $409,900 seems similar a decently sized nest egg, it won’t supply capable status income for astir Americans. For example, if you put that magnitude astatine a 5% involvement rate, it volition lone nutrient $20,495 successful income each year, arsenic antecedently reported by GOBankingRates.

Where you unrecorded and your manner besides play a large relation successful however acold your wealth volition go. Nearly $20,500 per twelvemonth won’t beryllium capable successful high-cost-of-living states similar California oregon New York. Social Security tin help, but it inactive whitethorn not beryllium enough.

Many fiscal advisors accidental you’ll request astatine slightest 80% of your pre-retirement income to unrecorded comfortably. According to the Fed’s report, the mean American volition request astatine slightest $56,240, based connected the U.S. median household income of $70,300.