Find out where you stand compared to others your age — based on Federal Reserve data.
This calculator uses data from the Federal Reserve Survey of Consumer Finances (SCF 2022), the gold standard for measuring American household wealth. We've adjusted all figures for inflation to reflect 2026 values.
Simply enter your age, add up your assets (home, investments, savings, crypto, vehicles), subtract your debts (mortgage, student loans, credit cards, car loans), and we'll instantly show you your percentile ranking among Americans your age.
Here's an overview of how net worth breaks down across different age groups in America:
| Age Group | Median | Mean | 75th Percentile | 90th Percentile |
|---|---|---|---|---|
| Under 25 | $10,000 | $75,000 | $45,000 | $120,000 |
| 25-29 | $20,000 | $120,000 | $85,000 | $230,000 |
| 30-34 | $50,000 | $200,000 | $175,000 | $450,000 |
| 35-44 | $135,000 | $550,000 | $400,000 | $950,000 |
| 45-54 | $250,000 | $975,000 | $700,000 | $1,600,000 |
| 55-64 | $365,000 | $1,200,000 | $950,000 | $2,200,000 |
| 65-74 | $410,000 | $1,500,000 | $1,050,000 | $2,500,000 |
| 75+ | $335,000 | $1,100,000 | $850,000 | $2,000,000 |
Your net worth percentile tells you what percentage of people in your age group you have more wealth than. For example, being in the 70th percentile means you have a higher net worth than 70% of people your age.
Key benchmarks to keep in mind:
Explore detailed net worth data for specific ages:
While income is what you earn, net worth is what you keep. A person earning $200,000/year with $300,000 in debt has a lower net worth than someone earning $60,000/year with $150,000 in savings and no debt. Net worth measures your true financial health and progress toward financial independence.
Tracking your net worth over time is one of the most powerful financial habits you can develop. It shows whether your wealth is actually growing, regardless of income changes.
