Use this net worth percentile by age calculator to see how your household’s net worth ranks against households of the same age. Enter your net worth and choose the age group of the head of household.
Don’t know your net worth yet? Use our net worth calculator to add up your assets (savings, investments, home equity, retirement accounts) and subtract your debts (mortgage, loans, credit cards). It takes about 10 minutes and gives you the number to enter below.
| Median for -- | -- |
| 75th percentile | -- |
| 90th percentile (top 10%) | -- |
| 99th percentile (top 1%) | -- |
Based on the Federal Reserve's 2022 Survey of Consumer Finances (2022 dollars), our calculation from the public data. Net worth is household assets minus debts, including home equity and retirement accounts.
Looking for benchmarks and strategy in one place? Start with the complete U.S. net worth guide.
For a broader benchmark, see the net worth percentile calculator. Wondering how your income compares to others? Check out our income percentile calculator or income percentile by age calculator to see how you stack up.
This calculator uses the Federal Reserve’s 2022 Survey of Consumer Finances (SCF), published October 2023 — the most recent data available. Results from the Fed’s 2025 survey are expected to be published in late 2026.
Net Worth Percentiles by Age
| Age of Household Head | 10th | 25th | 50th (Median) | 75th | 90th | 99th (Top 1%) |
|---|---|---|---|---|---|---|
| Under 35 | $-12,800 | $3,900 | $39,000 | $152,600 | $372,200 | $2,375,100 |
| 35–44 | $120 | $19,100 | $135,300 | $415,000 | $1,049,600 | $7,009,500 |
| 45–54 | $4,200 | $51,300 | $246,700 | $800,000 | $1,973,600 | $12,525,000 |
| 55–64 | $5,500 | $81,800 | $364,300 | $1,122,200 | $2,960,900 | $17,627,000 |
| 65–74 | $4,900 | $87,000 | $410,000 | $1,176,100 | $2,997,400 | $19,908,000 |
| 75 and older | $10,000 | $93,600 | $334,700 | $975,200 | $2,699,000 | $17,726,200 |
Source: our calculation from the Federal Reserve’s 2022 Survey of Consumer Finances public data (2022 dollars).
The spread within every age group is wide. Under 35, the bottom tenth have more debt than assets, while the 90th percentile is almost ten times the median. The median rises until the 65–74 group, then dips as retirees spend down. For what it takes to join the top 1% overall, see top 1% net worth.
Average vs. Median by Age
| Age of Household Head | Median Net Worth | Average (Mean) | 75th Percentile | 90th Percentile |
|---|---|---|---|---|
| Under 35 | $39,000 | $183,400 | $152,600 | $372,200 |
| 35-44 | $135,300 | $548,100 | $415,000 | $1,049,600 |
| 45-54 | $246,700 | $971,200 | $800,000 | $1,973,600 |
| 55-64 | $364,300 | $1,564,100 | $1,122,200 | $2,960,900 |
| 65-74 | $410,000 | $1,780,700 | $1,176,100 | $2,997,400 |
| 75 and older | $334,700 | $1,620,100 | $975,200 | $2,699,000 |
| All families | $192,700 | $1,059,500 | $659,000 | $1,936,900 |
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.
Averages are four to five times the medians because a small number of very wealthy households pull them up, so the median and the percentile table above are better benchmarks. For single ages, see the five-year age groups and pages such as average net worth at 30 and at 50.
How to Move Up Your Age Group’s Percentiles
- Under 35: clear high-interest debt, capture the full 401(k) match, and build an emergency fund
- 35–54: raise your savings rate with each pay rise and keep lifestyle costs in check
- 55 and older: use catch-up contributions (in 2026, $8,000 extra in a 401(k) and $1,100 in an IRA) and plan withdrawals and Social Security timing
Sources
- Board of Governors of the Federal Reserve System. “Survey of Consumer Finances” (2022 public data). federalreserve.gov/econres/scfindex.htm
Part of the net worth guide.
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