Net worth by age percentile calculator
Net worth by age, from the Federal Reserve's Survey of Consumer Finances (SCF) for 2022: the median household and the 25th, 75th, 90th and 99th percentiles in each age group, in 2022 dollars. Enter an age and a net worth to see where a household falls. These are the same figures Coastline's How You Compare panel measures a plan against.
Net worth percentiles by age (SCF 2022)
| Age | 25th | Median | 75th | 90th | Top 1% |
|---|---|---|---|---|---|
| Under 35 | $5,000 | $39,000 | $130,000 | $320,000 | $1,400,000 |
| 35–44 | $20,000 | $135,000 | $410,000 | $1,000,000 | $4,000,000 |
| 45–54 | $50,000 | $247,000 | $800,000 | $2,000,000 | $7,500,000 |
| 55–64 | $82,000 | $364,000 | $1,130,000 | $2,850,000 | $9,500,000 |
| 65–74 | $95,000 | $410,000 | $1,200,000 | $3,000,000 | $9,500,000 |
| 75+ | $90,000 | $335,000 | $970,000 | $2,700,000 | $8,500,000 |
The median rises with age to $410,000 at 65–74 and is lower after that. The spread is wide at every age: under 35 the median is $39,000, while the 90th percentile is $320,000. Averages, which some sites quote, are several times the medians because a few very wealthy households pull them up; the percentiles describe the typical household better.
What percentile is a given net worth?
| Net worth | Under 35 | 35–44 | 45–54 | 55–64 | 65–74 | 75+ |
|---|---|---|---|---|---|---|
| $25,000 | 40% | 26% | 23% | 22% | 21% | 21% |
| $100,000 | 67% | 42% | 31% | 27% | 25% | 26% |
| $250,000 | 84% | 60% | 50% | 40% | 37% | 41% |
| $500,000 | 92% | 77% | 61% | 54% | 53% | 56% |
| $1,000,000 | 96% | 90% | 78% | 71% | 69% | 75% |
| $2,000,000 | 99.3% | 93% | 90% | 83% | 82% | 84% |
A $1 million net worth is about the 96th percentile under 35 and the 69th at 65–74. Between the published points the lookup interpolates in a straight line; beyond the 99th percentile it follows the shape of the top of the distribution, so treat very high and very low readings as approximate.
About the data
- Source. Federal Reserve, Changes in U.S. Family Finances from 2019 to 2022 (SCF). The medians are the Federal Reserve's published figures to within $1,000; the other percentiles are SCF 2022 breakpoints from DQYDJ's tabulation of the survey, merged into the same age groups and rounded.
- Dollars. 2022 dollars, not adjusted for inflation since.
- Households. Grouped by the age of the household head; a couple counts as one household.
Survey estimates carry sampling error and are rounded on purpose. They describe where households stood in 2022, not what any household needs. Coastline's projection shows what a given saving rate and retirement age add up to.
Common questions
What is the median net worth by age?
In the Federal Reserve's 2022 survey: $39,000 under 35, $135,000 age 35–44, $247,000 age 45–54, $364,000 age 55–64, $410,000 age 65–74, $335,000 age 75+ (2022 dollars, to within $1,000).
What net worth puts a household in the top 10%?
About $320,000 under 35, $2,000,000 at 45–54 and $3,000,000 at 65–74 (SCF 2022, rounded).
Is $1 million a lot of net worth?
It is about the 90th percentile for households aged 35–44 and the 69th at 65–74, by the 2022 survey.
Why are these figures lower than the averages I see elsewhere?
Averages are pulled up by a small number of very wealthy households, so the average net worth in each age group is several times the median. Percentiles describe the typical household.