Generational Wealth Comparison
Compare your income and net worth to Baby Boomers, Gen X, Millennials, and Gen Z at the same age.
All values inflation-adjusted for fair comparison.
Customize your profile
These inputs tailor the benchmarks so you can see how your exact situation stacks up.
18-75 years old
Household, before taxes
Include investments, cash, and equity minus debts
Tell us whether you currently own a home
Your benchmarks update in real time as you type.
Your generation snapshot
Benchmarks shown in 2025 dollars to keep comparisons fair across decades.
- Birth year
- 1995
- Net worth delta
- -10.4%
- Income delta
- -8.0%
- Student debt
- $30,000
Key insights
We surface the biggest takeaways for your profile automatically.
Detailed generational comparison
Income, net worth, and historical context for each generation at age 30.
1981 economic backdrop
Baby Boomers
Percentile if you lived then
25th
-55.0% vs. median
-50.4% vs. median
Economic context
Early 1980s recession, 13.5% inflation, extremely high mortgage rates but strong union jobs
58%
$9,718
1981
2000 economic backdrop
Generation X
Percentile if you lived then
38th
-21.3% vs. median
-23.1% vs. median
Economic context
Dot-com bubble burst beginning, Y2K transition, strong pre-crash economy
49%
$21,986
2000
2016 economic backdrop
Millennials
Your generationPercentile if you lived then
45th
-8.0% vs. median
-10.4% vs. median
Economic context
Recovery solidifying, low rates, housing affordability challenges, gig economy
42%
$43,381
2016
2025 economic backdrop
Generation Z
Percentile if you lived then
85th
+56.3% vs. median
+455.6% vs. median
Economic context
AI economy emerging, climate adaptation, remote/hybrid work, housing crisis
28%
$32,000
2025
Generational comparison chart
Switch between net worth and income to see how you stack up visually.
Housing & debt snapshot
Homeownership rates and student loans shape the wealth gap more than most people expect.
Home ownership trends
You are currently renting
Homeownership rates climbed as incomes grew; build cash reserves so you can enter the market when ready.
Student debt comparison
Your student debt
$30,000
Keep payments automated and look into refinancing or forgiveness if you work in qualifying careers.
Understanding generational wealth
Economic context explains why peers may look richer or poorer than you expect.
Why this matters
Generational comparisons provide context for your financial journey. Economic conditions, inflation, housing markets, and debt levels vary dramatically across generations.[1] Understanding these differences helps you set realistic goals and avoid unfair comparisons.[2]
The nuance of “wealthier generations”
While younger generations may be wealthier on average, wealth inequality within generations has increased significantly.[3] The median Millennial may be doing better than the median Boomer at the same age, but the bottom 50% face greater challenges while the top 10% accumulate unprecedented wealth.[4]
Focus on your path
Use these comparisons for context, not judgment. Your financial success depends on your specific circumstances, choices, and goals—not how you compare to statistical averages.[5] The goal is financial freedom and security, not beating generational benchmarks.
Data sources & citations
Every figure is backed by reputable agencies and inflation-adjusted for a fair view.
Generational wealth data
- [1] Federal Reserve Survey of Consumer Finances: Federal Reserve SCF - Net worth and income data by age and generation
- [2] Pew Research Center: Pew Research - Generational wealth and economic trends
- [3] U.S. Census Bureau: Census Bureau - Income and demographic data by generation
- [4] Federal Reserve Bank of St. Louis: St. Louis Fed - Wealth inequality trends
Economic context & historical data
- • Bureau of Labor Statistics: BLS Consumer Expenditure Survey - Spending patterns by generation
- • Federal Reserve Economic Data: FRED - Historical economic indicators and trends
- • National Association of Realtors: NAR - Homeownership rates and housing data
Student debt & education
- [5] Federal Student Aid: StudentAid.gov - Student loan debt statistics and trends
- • College Board: College Board Research - Education costs and debt trends
- • Federal Reserve Bank of New York: NY Fed - Student debt and economic impact studies
- All data sources verified as of 2024 and inflation-adjusted using CPI.
- Median figures provide context but your personal plan should drive decisions.
- Economic policies shift quickly—rerun this tool when big life events occur.