The most widely accepted estimate for the age of the universe is approximately 13.7 billion years. This value is based on a combination of data and observations from various cosmological measurements, such as the cosmic microwave background radiation, the redshift of distant galaxies, and the measurements of the Hubble constant.
The age of 13.7 billion years is derived from the prevailing cosmological model known as the Lambda-CDM model (Lambda Cold Dark Matter). This model combines observations from the cosmic microwave background, the large-scale structure of the universe, and other cosmological data to estimate the age of the universe.
It's worth noting that the other values you mentioned, 46 billion years and 98 billion years, are not widely accepted estimates for the age of the universe. They are significantly different from the generally agreed-upon value of 13.7 billion years and may not align with current scientific consensus or the best available evidence.