Net Worth by Age: Percentiles for 2025
What families at each age are worth, from the bottom tenth to the top 1%, on the Federal Reserve’s 2025 survey. Enter yours to see where it ranks.
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, under 35
55thpercentile
More net worth than about 55% of families headed by someone under 35.
- $5M or more0.1%
- $2M–$5M0.7%
- $1M–$2M0.9%
- $500K–$1M3%
- $250K–$500K12%
- $100K–$250K15%
- $25K–$100KYou23%
- $0–$25K29%
- Below $017%
- Median, under 35
- $33,000
- Top 10% starts at
- $351K
- Among all ages
- 29th 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 1 worked example,
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
- Survey of Consumer Finances 2025, summary extract public data (Board of Governors of the Federal Reserve System, 2026)
- Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances (Federal Reserve Bulletin, 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
One worked example for this page is 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.
Worked example: $50,000 at 30
A 30-year-old with $50,000 in net worth is compared with families headed by someone under 35. In the 2025 survey the 55th percentile for that group is $48,200 and the 56th is $52,000. $50,000 sits about half way between them, so it ranks at the 55th percentile: more than about 55% of families that age. The same $50,000 at 50 would rank at the 24th percentile for ages 45–54, because people in their fifties have had decades longer to pay off a home and save.
Net worth percentiles by age, 2025
Net worth at each percentile, in 2025 dollars, by age of the head of the family. Our weighted calculation from the Federal Reserve’s SCF 2025 public data.
| Age | 10th | 25th | Median | 75th | 90th | 99th |
|---|---|---|---|---|---|---|
| Under 35 | −$11,700 | $3,100 | $32,820 | $145,090 | $351,200 | $1,591,230 |
| 35–44 | −$840 | $18,000 | $156,000 | $467,520 | $1,233,620 | $8,346,100 |
| 45–54 | $2,081 | $54,730 | $254,670 | $941,970 | $2,557,390 | $14,050,600 |
| 55–64 | $1,700 | $71,790 | $411,340 | $1,416,200 | $3,457,640 | $20,072,200 |
| 65–74 | $6,530 | $118,105 | $431,900 | $1,312,100 | $3,656,000 | $20,499,000 |
| 75 and over | $9,380 | $144,060 | $504,600 | $1,417,000 | $4,188,260 | $20,337,060 |
| All families | $210 | $27,900 | $216,100 | $813,000 | $2,538,520 | $16,271,300 |
Percentiles answer the question most people are really asking: not “what is normal?” but “how many families are behind me?” A percentile of 70 means 70% of families in your age group have less net worth than you and 30% have more.
The spread inside every age group is far wider than the gap between groups. Among families headed by someone aged 45–54, the 10th percentile is $2,081 and the 90th is $2,557,390. That range dwarfs the difference between that group’s median and the next one’s. So a single “target for your age” hides most of what the table shows.
The top of each column moves fastest. In every age group the 90th percentile is several times the median, and the 99th several times the 90th. The 99th percentile within one age group rests on only a handful of the surveyed families, so read that column as a rough guide; the survey deliberately over-samples wealthy families, which helps, but it cannot remove the noise.
Families in debt, and millionaires, by age
| Age | Below $0 | $1 million or more | Families |
|---|---|---|---|
| Under 35 | 16.8% | 1.7% | 26.4 million |
| 35–44 | 10.8% | 13.1% | 23.4 million |
| 45–54 | 6.3% | 23.6% | 21.8 million |
| 55–64 | 5.4% | 32.3% | 23.2 million |
| 65–74 | 4.6% | 30.9% | 22.0 million |
| 75 and over | 1.7% | 33.7% | 18.1 million |
| All families | 8.1% | 21.5% | 135.0 million |
How the percentile table is made
The public file of the Federal Reserve’s 2025 Survey of Consumer Finances holds 4,360 US families, chosen and weighted so that together they stand for all 135.0 million families. A family’s net worth is everything it owns minus everything it owes, at the time of the interview.
We sort the families in each age group by net worth and add up their weights from the bottom. The 25th percentile is the net worth where a quarter of the weight sits below; the 90th is where nine tenths does. The survey imputes missing answers five times over (it publishes five versions of every family), and, as the Fed does, we pool all five, so each counts a fifth.
Age here is the age of the family’s reference person, the survey’s word for the head of the household. Every dollar figure is in 2025 dollars.
- 16.8% of families under 35 owe more than they own, against 8.1% of all families (our calculation from the public data). Source: Survey of Consumer Finances 2025, summary extract public data.
- It took $2,539,200 in net worth to be in the top 10% of all US families in 2025, and $27,900 to be above the bottom quarter. Source: Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances.
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 net worth puts you in the top 10% for your age?
In 2025 the 90th percentile was under 35: $351,200; 35–44: $1,233,620; 45–54: $2,557,390; 55–64: $3,457,640; 65–74: $3,656,000; 75 and over: $4,188,260. For all families together it was $2,539,200 (Fed Bulletin, Table A.2).
Is it normal to have negative net worth?
It is common when young. 16.8% of families under 35 owed more than they owned in 2025, falling to 6.3% at 45–54 and 1.7% at 75 and over. A negative number puts you in the lower part of the table, not off it.
Why does the 99th percentile look so uneven between ages?
Because very few surveyed families sit that high in any one age group. The survey over-samples wealthy families to measure the top well overall, but split six ways by age the 99th percentile is estimated from a small number of families and can jump from one survey to the next.
Should I compare myself with my own age group or with everyone?
Your age group, for a fair comparison: net worth rises with age as mortgages get paid down and savings grow, so a 30-year-old is always behind most 60-year-olds. The calculator shows both, your rank in your age group and among all families.