Skip to content
Home » Financial Age Calculator – Are You Ahead or Behind?

Financial Age Calculator – Are You Ahead or Behind?

🎂 Financial Age Calculator

Are you financially ahead or behind for your age? Find out your "financial age"

Your actual age in years
Your gross annual income
Liquid savings and taxable investments
401k, IRA, pension value
Credit cards, student loans, car loans (not mortgage)

Your Financial Age

Financial Age
0
Age Difference
0 years

📊 Your Financial Health

🎯 Financial Age Benchmarks:
Age Savings Goal Retirement Goal
25 0.5x income 0.5x income
30 1x income 1x income
35 2x income 2x income
40 3x income 3x income
50 5x income 6x income
60 7x income 10x income
📈 How to Become "Younger" Financially:
  • Increase Savings Rate: Even 1% more makes a huge difference
  • Pay Down High-Interest Debt: Credit cards first (15-25% interest)
  • Max Out Retirement Accounts: Get that employer match!
  • Automate Everything: Pay yourself first automatically
  • Invest Consistently: Time in market > timing the market
⚠️ Red Flags (Makes You "Older"):
  • Credit card debt over $5,000
  • No emergency fund (need 3-6 months expenses)
  • Not contributing to 401k (missing free money!)
  • Savings rate below 10%
  • No investment portfolio by age 30
💡 What This Score Means:

Your "financial age" compares your financial health to typical benchmarks for someone your age. Being financially "younger" means you're ahead - you have more savings and less debt than expected. Being financially "older" means you need to catch up.

Good news: It's never too late to improve! Small consistent actions compound over time.

Financial age content – 2000+ words on benchmarks, catching up, millionaire by age stats…