By the mid-to-late 20s, net worth usually turns positive as early debts shrink and the first retirement contributions build. Households headed by someone aged 25–29 have a median net worth of $30,200 (average $120,200) in the Federal Reserve’s latest survey. Use our net worth percentile calculator to see where you stand.
Net Worth at 25 by Percentile
| Households Headed by Someone Aged 25-29 | Net Worth |
|---|---|
| 25th percentile | $3,800 |
| Median | $30,200 |
| Average (mean) | $120,200 |
| 75th percentile | $129,100 |
| 90th percentile | $291,700 |
Source: Federal Reserve, 2022 Survey of Consumer Finances, public data (2022 dollars). Families grouped by the age of the household head; percentiles computed from the survey's weighted records. Based on about 211 surveyed families, so treat single-band figures as approximate.
Is Your Net Worth Good at 25?
| Net Worth | Share of Households Aged 25-29 With Less | Where That Puts You |
|---|---|---|
| $10,000 | 33% | Below the median |
| $50,000 | 56% | Above the median |
| $100,000 | 70% | Above the median |
| $200,000 | 83% | Top 25% |
| $250,000 | 85% | Top 25% |
| $500,000 | 96% | Top 10% |
| $1,000,000 | 99% | Top 1% |
| $2,000,000 | 99% | Top 1% |
| $3,000,000 | 100% | Top 1% |
| $5,000,000 | 100% | Top 1% |
Source: Federal Reserve, 2022 Survey of Consumer Finances, public data (2022 dollars). Families grouped by the age of the household head; percentiles computed from the survey's weighted records. Share with a net worth below each amount, from about 211 surveyed families.
Is $50K good at 25? $50K is more than about 56% of households aged 25-29 have. That’s above the typical household your age.
Late 20s: From Debt to Positive
This is when many households move from negative to positive net worth as student loans shrink and retirement accounts start to build. Capturing the full employer 401(k) match, paying off high-rate debt and keeping car costs modest have the biggest effect at this stage.
Compare Other Ages
- Average net worth at 20
- Average net worth at 30
- Average net worth by age (all ages)
- Net worth percentile by age calculator
- Net worth goals by age
Part of the net worth guide.
Sources
- Board of Governors of the Federal Reserve System. “Survey of Consumer Finances” (2022 public data). federalreserve.gov/econres/scfindex.htm
- Fidelity Investments. “How much do I need to retire?” fidelity.com
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