Income Percentile Calculator
See where your family’s income before tax ranks among US families your age, on the Federal Reserve’s 2025 Survey of Consumer Finances, released in October 2026.
Key facts
- The median US family earned $82,200 before tax in 2024, up 7% from the 2022 survey after inflation. The mean was $145,200.
Empty: all ages
Last year, before tax; a couple’s combined. Stays on this device.
ExampleYour rank, under 35
67thpercentile
More income than about 67% of families headed by someone under 35.
- $500K or more0.5%
- $300K–$500K0.7%
- $200K–$300K5%
- $150K–$200K9%
- $100K–$150KYou17%
- $75K–$100K14%
- $50K–$75K18%
- $25K–$50K23%
- Under $25K13%
- Median, under 35
- $67,800
- Top 10% starts at
- $175K
- Among all ages
- 58th percentile
Compares your number with a survey of US families; not financial advice. SourcesTerms
What counts as incomeA family’s, before tax, as the Federal Reserve measures it
The family’s, not one person’s. The survey adds up the income of the single person or couple who run the household and anyone who shares their finances. A couple should enter both incomes together; one salary on its own will rank lower than the household really stands.
Before tax, from every source: wages and salaries, business and farm income, interest and dividends, realized capital gains, Social Security, pensions and withdrawals from retirement accounts, unemployment and other benefits, alimony and child support.
Last year’s. Families in the 2025 survey reported their income for 2024, which the Fed expresses in 2025 dollars. Last year’s income before tax is the closest match.
How this works: Method, 6 sources, Checked against 7 worked examples,
How this works
Method
Your family’s income before tax is placed among US families whose reference person is your age, on the 1st to 99th percentiles of the Federal Reserve’s 2025 Survey of Consumer Finances, reading between the two nearest percentiles. We work the percentiles out from the Fed’s public data file, weighting each family and pooling the survey’s five imputations as the Fed does; our medians and means match the Fed’s own public-data tables to the dollar. Income is for 2024, in 2025 dollars; medians quoted on the page are the Fed’s published figures.
Sources
- Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances (Federal Reserve Bulletin, 2026)
- Survey of Consumer Finances 2025, summary extract public data (Board of Governors of the Federal Reserve System, 2026)
- SCF historic tables based on public data, in 2025 dollars (Board of Governors of the Federal Reserve System, 2026)
- SCF historic tables based on internal data, in 2025 dollars (Board of Governors of the Federal Reserve System, 2026)
- Survey of Consumer Finances 2025 codebook (Board of Governors of the Federal Reserve System, 2026)
- Survey of Consumer Finances: frequently asked questions (Board of Governors of the Federal Reserve System)
How it’s tested
7 worked examples for this page are checked by automated tests before every release: given the inputs, the tool must show the expected answer.
Limits
Compares your number with a survey of US families; not financial advice.
Changes
- First published, on the Fed’s 2025 Survey of Consumer Finances: your income percentile for your age, the median by age since 1989, and two by-age pages.
All 2 tables
By age, 2025
Income percentiles by age, 2025
Family income before tax (2024 income in 2025 dollars), by age of the reference person. Our weighted calculation from the Fed’s public data.
| Age | 10th | 25th | Median | 75th | 90th |
|---|---|---|---|---|---|
| Under 35 | $21,568 | $39,027 | $67,784 | $114,000 | $174,595 |
| 35–44 | $29,784 | $50,324 | $97,568 | $155,081 | $240,324 |
| 45–54 | $26,703 | $54,432 | $108,865 | $195,135 | $336,865 |
| 55–64 | $24,649 | $48,270 | $92,432 | $179,730 | $349,189 |
| 65–74 | $20,541 | $39,027 | $69,838 | $121,189 | $236,216 |
| 75 and over | $18,486 | $33,892 | $66,757 | $133,514 | $247,514 |
| All families | $22,595 | $42,108 | $82,162 | $148,919 | $252,649 |
What a percentile tells you
Your percentile is the share of families with less income than yours. At the 62nd percentile, 62 families in 100 your age earned less and 38 earned more. It doesn’t say whether your income is enough for your costs or your plans; it only places you among everyone else.
Ages are compared separately because income follows a life cycle: in the 2025 survey the median rose from $67,800 under 35 to $108,900 at 45–54, then fell to $69,400 at 65–74 as people retire. The answer card shows your rank in your age group and among all families.
This is family income, not personal income. A single earner on $70,000 and a couple who each earn $70,000 are two families on $70,000 and $140,000. If you compare your own salary while sharing a household’s finances with a partner, add theirs first; if you want to know how your pay compares with other workers’, a survey of individual earnings answers that better.
How the percentiles are worked out
The Federal Reserve’s Survey of Consumer Finances asked 4,360 families in its 2025 public file about their income in 2024, and weights each so that together they stand for all 135.0 million US families. We read that file, sort each age group’s families by income and add up their weights to find the 1st to the 99th percentile. The survey fills in missing answers five times over, and we pool all five versions as the Fed’s own programs do. Your income is placed between the two percentiles either side of it.
We checked the result against the Fed. Our medians and means match the Fed’s own tables made from the same public file to the dollar. The Bulletin’s headline figures come from the Fed’s internal data, which the public file alters slightly to protect the people who took part, so they differ a little, as the table shows. Where a page quotes a median, it uses the Bulletin’s.
| Age | Fed Bulletin | Public file | Difference |
|---|---|---|---|
| Under 35 | $67,800 | $67,784 | -0.0% |
| 35–44 | $97,000 | $97,568 | 0.6% |
| 45–54 | $108,900 | $108,865 | -0.0% |
| 55–64 | $92,400 | $92,432 | 0.0% |
| 65–74 | $69,400 | $69,838 | 0.6% |
| 75 and over | $66,800 | $66,757 | -0.1% |
| All families | $82,200 | $82,162 | -0.0% |
What to keep in mind
- It is a survey of US families, with the sampling error any survey has. Small groups, such as the top 1% within one age group, rest on few families.
- A year’s income can be unusual: 23% of families in the 2025 survey said theirs was higher or lower than normal, from a bonus, a lost job or a one-off investment gain.
- Incomes are before tax and don’t reflect what things cost where you live. The same income goes much further in some places than others.
- Being above or below a percentile isn’t a judgement or a plan. For decisions about your money, talk to a qualified adviser.
Sources
- Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances
- Survey of Consumer Finances 2025, summary extract public data
- SCF historic tables based on public data, in 2025 dollars
- SCF historic tables based on internal data, in 2025 dollars
- Survey of Consumer Finances 2025 codebook
- Survey of Consumer Finances: frequently asked questions
Frequently Asked Questions
What is a good income for my age?
There is no single right number, but the median shows what the typical family your age earned: in the 2025 survey it was $67,800 under 35, $97,000 at 35–44, $108,900 at 45–54, $92,400 at 55–64, $69,400 at 65–74 and $66,800 at 75 and over, before tax. Above the median puts you ahead of half the families your age. This tool describes where you stand; it isn’t financial advice.
Is this my salary or my household’s income?
The household’s, as the Federal Reserve counts a family: the single person or couple who run its finances, married or not, plus anyone who depends on them. A couple should add both incomes together. Comparing one partner’s salary with the table will make a two-earner household look poorer than it is. Families are grouped by the age of one “reference person”: in a mixed-sex couple the survey uses the man’s age, in a same-sex couple the older partner’s.
Before or after tax?
Before tax. The survey’s income is close to the total on a tax return before any deductions: wages, business income, interest, dividends and realized capital gains, plus Social Security, pensions, retirement account withdrawals and other benefits. Enter what your family earned before income tax and payroll deductions.
Which year’s income should I enter?
Last year’s. The 2025 survey asked families about their income in 2024, and the Fed expresses it in 2025 dollars, 2.7% more than the 2024 amounts to allow for inflation. Your 2025 income is the closest like-for-like comparison; your 2024 income works too, and ranks a touch lower than it should.
How current is this data?
It is the Federal Reserve’s 2025 Survey of Consumer Finances, released in October 2026. The survey runs every three years and is the main source for US family wealth; its income figures are for the year before each survey. Every dollar figure here is in 2025 dollars.