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Net worth by age calculator
Your percentile among US families your age, from the Federal Reserve's 2025 survey.
In 2025 the median net worth of US families headed by someone aged 35 to 44 was $156,000, and the top 10% had at least $1,235,251, according to the Federal Reserve's Survey of Consumer Finances. Enter your age and net worth to see where you stand.
Your net worth percentile
49th
Median for families headed by someone 35 to 44: $156,000. The top 10% start at $1,235,251.
Higher than about 49% of families your age. Among all US families: 43rd percentile.
| Percentile, ages 35 to 44 | Net worth (2025 dollars) | How far from you |
|---|---|---|
| 10th | −$885 | Reached |
| 25th | $17,992 | Reached |
| Your net worth | $150,000 | |
| 50th (median) | $156,046 | $6,046 more |
| 75th | $466,962 | $316,962 more |
| 90th | $1,235,251 | $1,085,251 more |
| 95th | $2,386,159 | $2,236,159 more |
| 99th | $8,354,033 | $8,204,033 more |
Median and average net worth by age, 2022 and 2025
| Age of family head | Median 2022 | Median 2025 | Change | Average 2025 |
|---|---|---|---|---|
| Under 35 | $42,720 | $32,820 | −23.2% | $135,720 |
| 35 to 44 | $148,070 | $156,000 | +5.4% | $669,310 |
| 45 to 54 | $269,980 | $254,670 | −5.7% | $1,243,610 |
| 55 to 64 | $398,650 | $411,340 | +3.2% | $1,871,020 |
| 65 to 74 | $448,700 | $431,900 | −3.7% | $1,870,920 |
| 75 or older | $366,290 | $504,600 | +37.8% | $1,949,710 |
| All families | $210,890 | $216,100 | +2.5% | $1,232,000 |
Figures are the Federal Reserve's official medians and averages, in 2025 dollars. The average is pulled up by the wealthiest families, so in every age group it is several times the median.
Net worth percentiles by age in 2025
| Age of family head | 25th | 50th | 75th | 90th | 95th | 99th |
|---|---|---|---|---|---|---|
| Under 35 | $3,100 | $32,820 | $145,151 | $351,237 | $476,638 | $1,591,285 |
| 35 to 44 | $17,992 | $156,046 | $466,962 | $1,235,251 | $2,386,159 | $8,354,033 |
| 45 to 54 | $54,736 | $254,671 | $941,980 | $2,558,022 | $5,219,000 | $14,050,372 |
| 55 to 64 | $71,790 | $411,354 | $1,413,814 | $3,457,640 | $7,544,981 | $20,072,862 |
| 65 to 74 | $117,996 | $431,319 | $1,312,100 | $3,653,567 | $7,221,527 | $20,511,490 |
| 75 or older | $144,122 | $504,600 | $1,416,396 | $4,202,845 | $6,850,686 | $20,342,729 |
| All families | $27,900 | $216,100 | $813,000 | $2,538,547 | $4,936,622 | $16,270,884 |
Our calculation from the survey's public data, with its weights and all five imputations; the medians match the official ones within 0.2%.
How your percentile is worked out
The calculator finds the age group of the head of your family and places your net worth between the two nearest of that group's 99 percentiles, interpolating in a straight line. Below the 1st or above the 99th percentile it says so instead of guessing. Everything runs in your browser.
What counts as net worth
In the survey, net worth is the value of what a family owns (homes, vehicles, businesses, retirement and other accounts) minus what it owes (mortgages, student and car loans, credit cards). A FIRE portfolio is narrower: it counts only what you can invest and draw from, so use the FIRE calculator for that.
These are statistics about US families, not targets. Your own goal depends on what you spend, as the FIRE calculator shows. See the disclaimer.
Questions people ask
What percentile is $1,000,000 net worth?
Among all US families, $1,000,000 is at about the 78th percentile. For families headed by someone 45 to 54 it is about the 76th, and for 35 to 44 about the 87th.
What is a good net worth at my age?
The survey shows what is typical rather than what is good. For families headed by someone 35 to 44, the median is $156,000 and the middle half sit between $17,992 and $466,962. A goal of your own depends on what you spend, which is what the FIRE calculator works out.
Related
Net worth by age in 2025: what changed since 2022 in the Federal Reserve's survey. FIRE calculator: the portfolio your own spending needs.
Sources
- Board of Governors of the Federal Reserve System, Survey of Consumer Finances 2025, released October 9, 2026 (public data; figures in 2025 dollars).
- Federal Reserve, Survey of Consumer Finances, 1989–2025, interactive table (net worth by age, 2022 and 2025).
- Federal Reserve Bulletin, "Changes in U.S. Family Finances from 2022 to 2025", October 2026.
Last reviewed by Asier Fernández, editor, on . Educational information only, not financial advice. How we calculate