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.
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Key Insights
🏠 Home ownership has declined: 28% for your generation vs 58% for Baby Boomers.
🎓 Student debt has increased dramatically: 32,000 vs 9,718 for Baby Boomers.
How You Compare at Age 30
Baby Boomers
at age 30 in 1981
You would be in
25th percentile
Income Comparison
Net Worth Comparison
Economic Context (1981)
Early 1980s recession, 13.5% inflation, extremely high mortgage rates but strong union jobs
Generation X
at age 30 in 2000
You would be in
38th percentile
Income Comparison
Net Worth Comparison
Economic Context (2000)
Dot-com bubble burst beginning, Y2K transition, strong pre-crash economy
Millennials(Your Generation)
at age 30 in 2016
You would be in
45th percentile
Income Comparison
Net Worth Comparison
Economic Context (2016)
Recovery solidifying, low rates, housing affordability challenges, gig economy
Generation Z
at age 30 in 2025
You would be in
85th percentile
Income Comparison
Net Worth Comparison
Economic Context (2025)
AI economy emerging, climate adaptation, remote/hybrid work, housing crisis
Net Worth Comparison Chart
Home Ownership Trends
Baby Boomers at 30
1981
Generation X at 30
2000
Millennials at 30
2016
Generation Z at 30
2025
You
Student Debt Trends
Understanding Generational Wealth
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
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
⚠️ Important Disclaimers
- • Data Accuracy: All data sources verified as of 2024
- • Inflation Adjustment: All historical values adjusted for inflation using CPI data
- • Individual Circumstances: Generational averages may not reflect personal situations
- • Economic Changes: Economic conditions and policies change over time
Frequently Asked Questions
Common questions about the Generational Wealth Comparison
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⚠️ Important Disclaimer
This Generational Wealth Comparison provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.
The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.
This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA) for tax matters
- Licensed attorney for legal matters
- Registered Investment Advisor (RIA) for investment decisions
Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.
No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.