Net Worth Percentile by Age Calculator (2025 Fed Survey Data)
See where your household net worth ranks among US households your age and among all households, using the Federal Reserve’s 2025 Survey of Consumer Finances: percentile, median and mean for your age group, the 10th to 99th percentile thresholds and how far you are from the next milestone.
How it works
Find your age group · thresholds P10, P25, P50, P75, P90, P95, P99 for that group (2025 dollars) · if P_a ≤ NW < P_b: percentile ≈ a + (b − a) × ln(NW ÷ P_a) ÷ ln(P_b ÷ P_a) (straight-line when P_a ≤ 0) · below P10 = bottom 10% · at or above P99 = top 1%
Wealth climbs steeply with age, so comparing your net worth with one national number mostly measures how old you are. This calculator ranks your household within its own age group, using the Federal Reserve’s Survey of Consumer Finances (SCF), the main US source on household wealth. The 2025 survey, released in October 2026, gives the median and mean for each age group of the household head: $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 ($215,900 for all households). For all households it also uses the 2025 medians of each percentile group (for example, the middle of the top 10% is $4.9 million). The survey’s public tables do not list other percentiles by age, so the calculator uses the shape of each group’s distribution from the 2022 survey’s public data (its 10th, 25th, 75th, 90th, 95th and 99th percentiles) and scales it so the median matches 2025. Between two thresholds it interpolates on a log scale, because wealth is spread over a very wide range. Means sit far above medians because a small number of very wealthy households pull the average up, so the median is the fair benchmark. Net worth means what the household owns, including home equity, retirement accounts and vehicles, minus all debts; like the SCF it leaves out Social Security and traditional pensions. Treat the result as a ballpark: a few percentile points either way are within the survey’s uncertainty, and the top 5% is thinly measured.
Worked example
A 40-year-old household with $250,000 is in the 35–44 group, where the 2025 median is $155,600 and the scaled 75th percentile is $477,300. On a log scale, 50 + 25 × ln(250,000 ÷ 155,600) ÷ ln(477,300 ÷ 155,600) = 60.6, so the household is about the 60th percentile for its age: ahead of the median but well short of the top quarter. Among all US households (median $215,900, 62.5th percentile $405,700) the same $250,000 ranks about 52nd, and reaching the 75th percentile for its age would take $227,300 more.
Sources: Federal Reserve: Changes in U.S. Family Finances from 2022 to 2025 (SCF), Table 2 · Federal Reserve press release: 2025 Survey of Consumer Finances (Oct 9, 2026) · Federal Reserve Survey of Consumer Finances (data and documentation) · Efficient Dollar: 2022 SCF net worth percentiles by age (distribution shape)
Frequently asked questions
What is the median net worth by age in 2026?
The latest figures are from the Federal Reserve’s 2025 Survey of Consumer Finances (released October 2026): about $33,000 for households under 35, $155,600 for 35–44, $253,700 for 45–54, $411,900 for 55–64, $431,300 for 65–74 and $504,900 for 75 and over. The overall median is $215,900.
Why compare within an age group instead of everyone?
A 30-year-old and a 60-year-old with $100,000 are in very different positions. Median net worth is more than ten times higher at 55–64 than under 35, so an all-ages ranking mostly measures age. Ranking within your group shows how you compare with your real peers; the calculator shows both.
Why is the mean so much higher than the median?
Wealth is very unequal. A small share of households holds tens of millions, which pulls the average far above what a typical household has. The median, the household in the middle, is the better benchmark for most people.
What net worth puts you in the top 10% or top 1%?
Across all US households the 90th percentile is roughly $2.2 million, the 95th about $4.9 million and the 99th roughly $15 million in 2025 dollars (the 95th is from the 2025 survey; the 90th and 99th scale the 2022 survey shape to the 2025 median). Thresholds are lower for younger groups: under 35 the top 10% starts near $315,000.
What counts toward net worth?
Everything the household owns — cash, investments, retirement accounts, the market value of your home and vehicles, business equity — minus everything it owes, such as the mortgage, car loans, student loans and credit-card balances. The survey does not count Social Security or traditional pension benefits.
How accurate is the percentile?
It is an estimate. The survey has sampling error, the percentile thresholds use the 2022 distribution scaled to 2025 medians, and the richest families are underrepresented. A rank of 60 versus 63 is not meaningful, but 20 versus 80 clearly is.
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This is an educational estimate, not financial advice. Real results depend on rates, taxes, fees and market returns that no calculator can guarantee — confirm figures with your lender or a licensed advisor.