Net Worth Percentile Calculator by Age
See where your household's net worth ranks against American families in your age group, and against everyone, using the Federal Reserve's 2025 Survey of Consumer Finances.
Enter your age and your household's net worth, which is everything you own minus everything you owe, to see what share of American families in your age group you are ahead of. If you are not sure of your net worth, open "Help me add it up" and fill in what you know.
01Your Numbers
Help me add it up
What you own
What you owe
Fill in what applies; the total goes into the net worth box above as you type.
02Where You Sit in Your Age Group
03Net Worth Percentiles by Age
Each figure is the net worth a family needs to be ahead of that share of families its age. The 50th percentile is the median. Your age group is highlighted.
| Percentile | All families | Under 35 | 35 to 44 | 45 to 54 | 55 to 64 | 65 to 74 | 75 and older |
|---|---|---|---|---|---|---|---|
| 10th | $210 | -$11,700 | -$840 | $2,081 | $1,700 | $6,530 | $9,380 |
| 25th | $27,900 | $3,100 | $18,000 | $54,730 | $71,790 | $118,105 | $144,060 |
| 50th (median) | $216,100 | $32,820 | $156,000 | $254,670 | $411,340 | $431,900 | $504,600 |
| 75th | $813,000 | $145,090 | $467,520 | $941,970 | $1.42 million | $1.31 million | $1.42 million |
| 90th | $2.54 million | $351,200 | $1.23 million | $2.56 million | $3.46 million | $3.66 million | $4.19 million |
| 95th | $4.94 million | $476,501 | $2.38 million | $5.22 million | $7.55 million | $7.30 million | $6.85 million |
| 99th | $16.3 million | $1.59 million | $8.35 million | $14.1 million | $20.1 million | $20.5 million | $20.3 million |
| Average | $1.23 million | $135,718 | $669,312 | $1.24 million | $1.87 million | $1.87 million | $1.95 million |
| Families in the data | 4,360 | 628 | 779 | 832 | 841 | 776 | 504 |
Federal Reserve, 2025 Survey of Consumer Finances; DaveManuel.com calculations from the public summary data, weighted. Age is the age of the survey's reference person. 2025 dollars. The survey oversamples wealthy families, so the top percentiles rest on more interviews than an ordinary sample of this size would give.
04How Net Worth Differs by Age Group
In the 2025 survey, each older age group had a higher median net worth than the one before it, all the way to 75 and older. The spread widens too: at the 75th percentile, the gaps between age groups are far larger than at the median. This compares different families at one point in time; it does not follow the same families through their lives, so it does not show that today's younger families will end up where today's older ones are.
Federal Reserve, 2025 Survey of Consumer Finances; DaveManuel.com calculations. Hover or tap a bar for the figure.
05What Counts in Net Worth
| Counts | Does not count |
|---|---|
| Your home and other real estate, minus mortgages and home equity loans | The value of a traditional pension that pays a monthly check |
| 401(k), 403(b), IRA, Roth IRA and Thrift Savings Plan balances | Future Social Security benefits |
| Checking, savings, money market accounts, CDs and cash value life insurance | Expected inheritances or future earnings |
| Stocks, bonds, mutual funds and other investments | Your clothes, furniture and other household goods, which the Fed leaves out |
| The value of a business you own, minus its debts | |
| Cars, trucks, motorcycles, boats and RVs | |
| Minus: credit cards, student loans, car loans and other debts |
Based on the asset and debt definitions in the Federal Reserve Bulletin on the 2025 survey. Because traditional pensions and Social Security are left out, families who rely on them can look less wealthy here than their retirement income suggests.
06How the Calculator Works
The figures come from the Federal Reserve's 2025 Survey of Consumer Finances, which interviewed 4,367 families; the public data we use covers 4,360 of them. The survey runs every three years and is the most detailed public record of American household wealth. Most interviews took place between April and December 2025, with about one in seven in early 2026. Values are in 2025 dollars, and the calculator compares what you enter directly with those figures, with no adjustment for inflation since 2025.
We used the Fed's public summary data, which has five estimates for each family to account for answers that had to be filled in statistically. All five are pooled, and every family is weighted by the survey weight, so the results represent all U.S. families. Families are grouped by the age of the reference person (for a couple, the man in a mixed-sex couple or the older partner in a same-sex couple), in the Fed's six age groups. Before the numbers went live we checked our medians for every age group against the ones the Fed published, and they match to within half of one percent. Averages match to within about 2%, because the Fed alters the public data slightly to protect the people who took part, which moves averages more than medians.
Your percentile is found by placing your net worth among the 101 percentile points for your age group (the 1st through 99th, plus the 99.5th and 99.9th) and filling in between them in a straight line. Treat the result as an approximate rank in the survey, not an exact measurement: the survey is a sample of a few thousand families, a share of the answers are statistical estimates, and each age group has only several hundred families, so ranks near the very top and bottom are the least certain. Above the 99.9th percentile the calculator just says top 0.1%.
07Frequently Asked Questions
What is a good net worth for my age?
There is no single right number, but the survey gives a useful yardstick: the median, where half of families have more and half have less. In 2025 the median was $32,820 for families headed by someone under 35, $156,000 for 35 to 44, $254,670 for 45 to 54 and $411,340 for 55 to 64. Use the table above to see the 25th, 75th and 90th percentiles too.
Is this my net worth or my household's?
Household. The survey measures a family's combined wealth: one person living alone, or a couple and anyone financially tied to them. If you are married or living with a partner and share finances, enter your combined net worth. If you are single, enter your own.
Does my home count?
Yes. Net worth includes the value of your home and any other real estate, minus the mortgages and home equity loans on them. For many families, home equity is the biggest part of their net worth.
Do retirement accounts count?
Yes. 401(k), 403(b), IRA, Roth IRA, Thrift Savings Plan and similar accounts all count at their current balance. What does not count is the value of a traditional pension that pays a monthly check, or future Social Security benefits; the Fed leaves both out because they cannot easily be turned into a current value.
Why are the averages so much higher than the medians?
Because a small number of very wealthy families pull the average up. In 2025 the average net worth of all families was $1.23 million, several times the median of $216,100. The median is a much better guide to what a typical family has.
Which age do I use?
The survey groups families by the age of one person it calls the reference person. For a couple, the Fed's rule is the man in a mixed-sex couple and the older partner in a same-sex couple, so use that person's age to match the survey. If your two ages fall in different age groups, try both to see the range.
How current are these numbers?
The Survey of Consumer Finances runs every three years. Most of the 2025 interviews were done between April and December 2025, with about one in seven in early 2026, and the Fed published the results on October 9, 2026. All figures are in 2025 dollars. The next survey is in 2028.
Is the calculator storing what I type?
No. The calculation runs in your browser, and what you type is not sent to DaveManuel.com. Your numbers only go into the page address if you click the copy-a-link button, and even then they go after a # sign, a part of the address that browsers do not send to the website. Anyone you share the link with will see your age and net worth, so only share it if you are comfortable with that.
08Sources
- Board of Governors of the Federal Reserve System, Survey of Consumer Finances, 2025 survey, summary extract public data (released October 9, 2026)
- Federal Reserve Bulletin, Changes in U.S. Family Finances from 2022 to 2025: Evidence from the Survey of Consumer Finances (October 2026), Table 2 and Appendix A
- Federal Reserve, 2025 Survey of Consumer Finances codebook (definition of the reference person)
More from DaveManuel.com: the Financial Tools, the Retirement Runway Calculator, the Social Security Calculator, What Salary Would I Need to Live There? and the net worths of the world's richest people.
Cite This Page
This page is free to cite and link. Its figures come from Federal Reserve, 2025 Survey of Consumer Finances (summary extract public data, released October 9, 2026); DaveManuel.com weighted percentile calculations, checked against Federal Reserve Bulletin Table 2 and are kept current, so please include the date you accessed it.
| Format | Citation | Copy |
|---|---|---|
| Plain | Dave Manuel, “Net Worth Percentile Calculator by Age: How Your Household Compares (2025 Fed Data),” DaveManuel.com, https://www.davemanuel.com/net-worth-percentile-calculator.php (accessed November 13, 2026). | Copy |
| APA | Manuel, D. (2026). Net Worth Percentile Calculator by Age: How Your Household Compares (2025 Fed Data). DaveManuel.com. Retrieved November 13, 2026, from https://www.davemanuel.com/net-worth-percentile-calculator.php | Copy |
| Chicago | Manuel, Dave. “Net Worth Percentile Calculator by Age: How Your Household Compares (2025 Fed Data).” DaveManuel.com. Accessed November 13, 2026. https://www.davemanuel.com/net-worth-percentile-calculator.php. | Copy |
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Source data: Federal Reserve, 2025 Survey of Consumer Finances (summary extract public data, released October 9, 2026); DaveManuel.com weighted percentile calculations, checked against Federal Reserve Bulletin Table 2. Updates: Every three years. How we build our data pages.