Net Worth Percentile by Age Calculator
See how your net worth stacks up against others your age — using real Federal Reserve data.
Find your net worth percentile within your age bracket, interpolated from the 2022 Federal Reserve Survey of Consumer Finances.
How to read your net worth percentile
Your percentile tells you how you compare to other households your age. If you're in the 70th percentile, your net worth is higher than about 70% of households in your age group — and lower than the other 30%. The 50th percentile is the median: the exact middle.
Net worth is everything you own minus everything you owe. It naturally rises with age, which is why comparing yourself to your own age group is fairer than comparing to everyone. Don't panic if you're below the median — the single most powerful lever is time invested. See what steady contributions become over decades with the Compound Interest Calculator, or check whether you're on track to retire with the Retirement Calculator.
This calculator uses the Federal Reserve's 2022 Survey of Consumer Finances (SCF) — the most comprehensive U.S. household-wealth dataset, released in 2023. It places you in one of the SCF's standard age brackets and interpolates your net worth between that bracket's published percentile breakpoints. Values are in 2022 dollars.
| Age group | 25th | Median | 75th | 90th |
|---|---|---|---|---|
| Under 35 | $1,900 | $39,000 | $158,000 | $457,200 |
| 35–44 | $22,200 | $135,600 | $373,500 | $956,400 |
| 45–54 | $43,400 | $247,200 | $647,200 | $1,631,700 |
| 55–64 | $54,100 | $364,500 | $1,048,800 | $2,686,200 |
| 65–74 | $79,600 | $409,900 | $1,170,200 | $2,880,100 |
| 75+ | $56,700 | $335,600 | $958,800 | $2,326,200 |
Methodology: percentiles are piecewise-linear interpolations between the SCF breakpoints above (plus a 99th-percentile anchor derived from finer SCF age bands). The bottom tail assumes roughly the 10th percentile sits near $0 net worth; the very top and bottom are therefore approximate. For the levers that move your percentile over time, see the Compound Interest Calculator and the Retirement Calculator.
Net worth percentile: common questions
What is net worth?
Net worth is everything you own minus everything you owe. Add up your assets — cash, savings, investments, retirement accounts, home equity, vehicles — and subtract your liabilities — mortgage, student loans, credit cards, car loans. The result can be negative if your debts exceed your assets, which is common earlier in life.
What data is this calculator based on?
It uses the Federal Reserve's 2022 Survey of Consumer Finances (SCF), the most comprehensive U.S. household-wealth dataset, published in 2023. Percentile breakpoints by age bracket are interpolated between published SCF figures. Values are in 2022 dollars; the next SCF (2025 data) is expected in late 2026.
What is a good net worth for my age?
There's no single "good" number, but the median (50th percentile) is a useful benchmark: roughly $39,000 under 35, $135,600 for ages 35–44, $247,200 for 45–54, $364,500 for 55–64, and $409,900 for 65–74 (2022 SCF). Being above the median for your age means you have more net worth than half of households your age.
How is my percentile calculated?
The calculator finds your Federal Reserve age bracket, then interpolates your net worth between that bracket's published percentile breakpoints (25th, 50th, 75th, 90th, and 99th). A percentile of 70 means your net worth is higher than about 70% of households in your age group. The bottom and top tails are approximate.
Is net worth percentile the same as income percentile?
No. Income is what you earn each year; net worth is what you've accumulated. A high earner who spends everything can have a low net worth, while a modest earner who invests consistently can rank highly. This calculator measures net worth — the better long-term gauge of financial health.