What this calculator shows
A percentile tells you what share of households have less than you. If you are in the 70th percentile for your age group, your household's net worth is higher than about 70% of U.S. households headed by someone your age. The calculator gives your rank within your age group and among all U.S. households, plus the 25th, 50th, 75th, 90th and 99th percentile values for comparison.
Where the data comes from
The numbers come from the 2025 Survey of Consumer Finances (SCF), published by the Federal Reserve Board in October 2026. The SCF is the most detailed public source on U.S. household wealth. It interviews thousands of families every three years and deliberately includes very wealthy households so the top of the distribution is measured well.
CalcKeep computed weighted percentiles from the Fed's public summary extract, using its net worth variable and survey weights across all five imputation replicates. Our medians match the Fed's published figures closely: for example, the median for all families is about $216,000, and the median for families headed by someone aged 35 to 44 is about $156,000. Small differences can come from rounding and the exact percentile method.
How the percentile is calculated
Net worth is household-level: it combines the assets and debts of the whole family, and the age group is based on the age of the survey's "reference person", usually the main earner. If you are married, enter your combined net worth.
Worked example
Jamie is 40 and her household's net worth is $250,000. Among households headed by someone aged 35 to 44, the median is about $156,000 and the 75th percentile is about $468,000.
$250,000 sits between them, at about the 62nd percentile for her age group. Among all U.S. households of every age, it is around the 53rd percentile.
What counts toward net worth
- Assets: cash and bank accounts, retirement accounts such as 401(k)s and IRAs, brokerage accounts, the value of your home and other real estate, vehicles, business equity and other valuables.
- Debts: mortgages, home equity loans, car loans, student loans, credit card balances and other loans.
- Not included: the SCF summary measure does not count future Social Security benefits or traditional defined-benefit pensions.
Keep it in perspective
Wealth is very unequal, so percentiles at the top rise steeply: the 90th and 99th percentiles are many times the median. Net worth also naturally climbs with age as people pay down mortgages and save for retirement, which is why comparing within your age group is more meaningful than comparing with everyone. A percentile is a snapshot, not a verdict. Your savings rate and the direction you are heading usually matter more.
Frequently asked questions
What is the median net worth by age in the U.S.?
In the Federal Reserve’s 2025 Survey of Consumer Finances, median household net worth was about $33,000 for households headed by someone under 35, $156,000 for ages 35–44, $254,000 for 45–54, $412,000 for 55–64, $431,000 for 65–74 and $505,000 for 75 and older.
What net worth puts you in the top 10%?
Among all U.S. households, the 90th percentile in the 2025 survey is roughly $2.5 million. The threshold is lower for younger age groups and higher for older ones; the calculator shows the figure for your age group.
Should I include my home equity?
Yes. The Federal Reserve’s net worth measure includes the value of your home minus what you owe on it, so include it to compare like with like.
Why is my percentile among all households different?
Older households tend to have much more wealth, so the same net worth ranks higher within a young age group than it does across all ages.
How current is this data?
The Survey of Consumer Finances is run every three years. This calculator uses the 2025 survey, released in October 2026, which is the latest available.
Last reviewed November 2026. Spotted an error? Tell us.