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Benchmark & Velocity Calculator
See where your net worth stands against US households your age, then project how fast your savings carry you to the next milestone. All math runs on this page.
Your numbers
Real returns are inflation-adjusted; nominal is the headline market return. Long-run S&P 500 history is roughly 7% real / 10% nominal. Drag the slider to model your own assumption.
- 1 yr
- $92,814
- 3 yrs
- $132,400
- 5 yrs
- $177,915
- 10 yrs
- $323,809
How you compare — ages under 35
Federal Reserve, Survey of Consumer Finances 2022. Wider percentiles are estimates calibrated to the SCF distribution; the median is exact.
At $75,000, you sit near the 64th percentile for ages under 35 — 1.9× the median.
Median (50th)
$39,000
Top 25% (75th, est.)
$121,000
Top 10% (90th, est.)
$320,000
Savings velocity curve
Projected net worth at 7.0%/yr with $1,000/mo added. Dashed line is contributions alone, without growth.
1-year
$92,814
$87,000 contributed
3-year
$132,400
$111,000 contributed
5-year
$177,915
$135,000 contributed
10-year
$323,809
$195,000 contributed
Time to each milestone
At $1,000/mo and 7.0%/yr growth, counting from today.
| Target | Time | Projected date | Status |
|---|---|---|---|
| $100,000 | 1 yr 5 mo | Mar 2028 | On this pace |
| $250,000 | 7 yrs 9 mo | Jul 2034 | On this pace |
| $500,000 | 14 yrs 5 mo | Mar 2041 | On this pace |
| $1,000,000 | 22 yrs 5 mo | Mar 2049 | On this pace |
| $2,500,000 | 34 yrs 2 mo | Dec 2060 | On this pace |
Start your private journey — no bank credentials required. Free forever.
Save this checkpoint as your first check-in and track your percentile, velocity, and milestones over time. Your entries stay private unless you choose to share them.
Projections are illustrations, not financial advice. They assume a constant return and monthly contributions with no taxes, fees, or withdrawals; real markets vary year to year. Benchmark source: Federal Reserve, Survey of Consumer Finances 2022 (2022 dollars).