Net Worth Percentile Calculator
See where your net worth 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 had a net worth of $215,900 in 2025, up 2% from 2022 after inflation. The mean was $1,241,500.
Empty: all ages
Owned minus owed (a couple’s combined). Stays on this device.
Add it upwhat you own minus what you owe
Fill in what applies; the total goes into Net worth above. Leave out Social Security and pensions that pay a monthly income, as the survey does.
ExampleYour rank, ages 35–44
62ndpercentile
More net worth than about 62% of families headed by someone aged 35–44.
- $5M or more2%
- $2M–$5M3%
- $1M–$2M7%
- $500K–$1M11%
- $250K–$500KYou13%
- $100K–$250K20%
- $25K–$100K14%
- $0–$25K17%
- Below $011%
- Median, ages 35–44
- $155,600
- Top 10% starts at
- $1.2M
- Among all ages
- 53rd percentile
Compares your number with a survey of US families; not financial advice. SourcesTerms
What counts in net worthAs the Federal Reserve measures it
Counted: cash and bank accounts, retirement accounts such as 401(k)s and IRAs, stocks, funds and bonds, the cash value of life insurance, homes and other property, vehicles and businesses you own.
Taken off: mortgages and home equity loans, car and student loans, credit card balances you carry and other debts.
Not counted: Social Security and workplace pensions that pay a set monthly income, because their value depends on guesses about the future.
How this works: Method, 5 sources, Checked against 9 worked examples,
How this works
Method
Your net worth is placed among US families whose head 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. Medians and means quoted on the page are the Fed’s published figures in 2025 dollars.
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 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
9 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 percentile for your age, the median and mean by age, and three by-age pages.
All 3 tables
By age, 2025
Net worth percentiles by age, 2025
In 2025 dollars, by age of the head of the family. Our weighted calculation from the Fed’s public data.
| Age | 10th | 25th | Median | 75th | 90th |
|---|---|---|---|---|---|
| Under 35 | −$11,700 | $3,100 | $32,820 | $145,090 | $351,200 |
| 35–44 | −$840 | $18,000 | $156,000 | $467,520 | $1,233,620 |
| 45–54 | $2,081 | $54,730 | $254,670 | $941,970 | $2,557,390 |
| 55–64 | $1,700 | $71,790 | $411,340 | $1,416,200 | $3,457,640 |
| 65–74 | $6,530 | $118,105 | $431,900 | $1,312,100 | $3,656,000 |
| 75 and over | $9,380 | $144,060 | $504,600 | $1,417,000 | $4,188,260 |
| All families | $210 | $27,900 | $216,100 | $813,000 | $2,538,520 |
What a percentile tells you
Your percentile is the share of families with less net worth than you. At the 62nd percentile, 62 families in 100 your age have less and 38 have more. It says nothing about whether you are saving enough for your own plans; it only places you among everyone else.
Ages are compared separately because net worth builds over a lifetime: in 2025 the median rose from $33,000 for families under 35 to $411,900 at 55–64. Comparing a 30-year-old with all families mostly measures age. The answer card shows both ranks.
Net worth here is the survey’s: everything the family owns (bank and retirement accounts, investments, homes, vehicles, businesses) minus everything it owes (mortgages, car and student loans, credit card balances, other debts), measured on the day of the interview. Social Security and pensions that pay a set monthly income aren’t included.
How the percentiles are worked out
The Federal Reserve’s Survey of Consumer Finances asked 4,360 families in its 2025 public file about every asset and debt they have, 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 net worth and add up their weights to find the 1st to the 99th percentile. Missing answers are filled in five times over by the survey, and we pool all five versions as the Fed’s own programs do. Your number 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 are made 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 this page quotes a median, it uses the Bulletin’s.
| Age | Fed Bulletin | Public file | Difference |
|---|---|---|---|
| Under 35 | $33,000 | $32,820 | -0.5% |
| 35–44 | $155,600 | $156,000 | 0.3% |
| 45–54 | $253,700 | $254,670 | 0.4% |
| 55–64 | $411,900 | $411,340 | -0.1% |
| 65–74 | $431,300 | $431,900 | 0.1% |
| 75 and over | $504,900 | $504,600 | -0.1% |
| All families | $215,900 | $216,100 | 0.1% |
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.
- The richest 400 Americans on the Forbes list are left out of the survey by design.
- Homes and other property are valued at each family’s own estimate of what they would sell for today, which is what the survey asks.
- 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 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 net worth for my age?
There is no single right number, but the median shows what the typical family your age has: in 2025 it was $33,000 under 35, $155,600 at 35–44, $253,700 at 45–54, $411,900 at 55–64, $431,300 at 65–74 and $504,900 at 75 and over. 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 per person or per household?
Per family, as the Federal Reserve counts it: a single person or a couple, married or living together, and anyone in the household who shares their finances. So a couple should enter their combined net worth. 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.
Does net worth include my home and retirement accounts?
Yes. Your home counts at what it would sell for, with the mortgage taken off as a debt, and 401(k)s, IRAs and similar accounts count in full. Cars count too. Social Security and workplace pensions that pay a fixed monthly income are left out, because the survey can’t put a reliable value on them.
Why is the average net worth so much higher than the median?
A small number of very wealthy families pull the average (mean) up. In 2025 the mean for all families was $1,241,500, almost six times the median of $215,900, and about four families in five had less than the mean. The median, the middle family, is the fairer yardstick.
How current is this data?
It is the Federal Reserve’s 2025 Survey of Consumer Finances, released in October 2026. Most interviews took place between April and December 2025, with about one in seven in early 2026, and net worth is measured at the time of each interview. The survey runs every three years, and every figure here is in 2025 dollars.