Net worth percentile by age and income
See where your net worth ranks among US households that share your age andincome — not just the national average. Based on the Federal Reserve's 2025 Survey of Consumer Finances.
US median household net worth is roughly $216,100 overall, but that national figure masks an enormous spread across age and income. A household aged 35–44 earning $50–100K has a median net worth of about $95,000 — very different from a household aged 65–74 at the same income ($419,000) or one aged 35–44 earning $25–50K ($10,000). Enter your age, income, and net worth below to see your peer-group percentile.
Your numbers
Peer group: age 35 to 44 · $100,000 – $200,000Your $150,000 ranks ahead of 29% of US households age 35 to 44 earning $100,000 – $200,000.
Another $795,000 in net worth would put you in the top 10% for your peer group.
How this number is calculated
We look up your age and income in the Federal Reserve's 2025 Survey of Consumer Finances (the most recent SCF, released Oct 2026), then interpolate your position between 25th/50th/75th/90th/99th percentile breakpoints for that age×income cell. The Fed does not publish those cells, so we compute them from its public microdata. Figures are in 2025 USD, and cells with few sampled families are noisy. Households with similar age and income show meaningful net-worth variance — the percentile reflects how your balance sheet compares to theirs, not to the full US population.
Why age × income beats age-only percentile calculators
Most net worth percentile tools ask for your age and compare you to all US households in that age band. That's useful, but it conflates a 32-year-old teacher earning $48K with a 32-year-old surgeon earning $340K. The actual distributions for those two households barely overlap. A $90,000 net worth puts the teacher in the top quartile; it puts the surgeon in the bottom quartile. Same number, opposite message.
The SCF microdata lets us cut percentiles by both age and income, which is the more honest benchmark: you're comparing your trajectory to households with similar earning power. The Fed doesn't publish those cells, so we compute them ourselves. That's the view this calculator shows. If you're earning $40K at 30 and building, the top-10% threshold for your peer group is around $141,000. If you're earning $250K at 30 and aiming for top 10%, the threshold jumps to roughly $1,690,000(a thinly sampled cell, so treat it as rough). Both are "top 10%," but the gap is about 12×.
The tradeoff: joint age × income cells have smaller SCF sample sizes than the single-dimension tables. Cells built on fewer than about 100 sampled families (mostly under-$25K incomes and ages 75+, plus under-35 with income over $200K) are noisy, especially at the top percentiles. We make each percentile non-decreasing across income tiers within an age bracket; that adjustment moved 10 of 150 values. The method is documented in scripts/scf/compute-percentiles.py.
Median net worth by age × income (SCF 2025)
Each cell shows the 50th-percentile (median) household net worth for that age × income combination. Use this as a sanity check: if your number is above the cell, you're in the top half of peers; below, the bottom half. Figures are 2025 USD, rounded.
| Age \ Income | Under $25,000 | $25,000 – $50,000 | $50,000 – $100,000 | $100,000 – $200,000 | Over $200,000 |
|---|---|---|---|---|---|
| Under 35 | $2,000 | $12,000 | $26,000 | $113,000 | $451,000 |
| 35 to 44 | $2,000 | $10,000 | $95,000 | $276,000 | $1,070,000 |
| 45 to 54 | $15,000 | $37,000 | $111,000 | $339,000 | $1,350,000 |
| 55 to 64 | $8,000 | $106,000 | $189,000 | $764,000 | $2,810,000 |
| 65 to 74 | $36,000 | $218,000 | $419,000 | $1,100,000 | $4,600,000 |
| 75 and over | $99,000 | $264,000 | $560,000 | $1,140,000 | $5,100,000 |
See your exact percentile
Jump to a prebuilt view for your age × income combination, with worked narrative and peer-group benchmarks. 80 cells, grouped by age.
Frequently asked questions
How is net worth percentile calculated?
Percentiles are computed from the Federal Reserve's 2025 Survey of Consumer Finances (SCF), the most recent, released October 9, 2026. The Fed does not publish age × income cells, so we compute the 25th/50th/75th/90th/99th breakpoints for each cell from its public microdata, then interpolate your net worth between them. The comparison is to households like yours, not the full US population. Cells with few sampled families are noisy.
Why does income matter for net worth percentile?
Households with the same age but very different incomes have dramatically different net-worth distributions. A 35-year-old earning $40K sits at a different percentile from a 35-year-old earning $200K, even at the same net worth. Single-dimension age calculators mask this — the joint age × income view is what actually tells you where you stand.
What counts as net worth?
Net worth = total assets minus total liabilities. Assets: checking/savings, brokerage, retirement (401(k)/IRA), home equity at current market value, vehicles (Kelley Blue Book private-party), other real estate. Liabilities: credit card balances, student loans, auto loans, mortgage payoff balance, personal loans, medical debt. Use current balances, not cost basis or original loan amounts.
Is this free? Do you store my data?
Completely free, no account required. All calculations run in your browser — nothing is sent to our servers, and no personal financial data is stored. You can safely use ballpark figures without worrying about your information leaving the page.
How often is the data updated?
The Federal Reserve runs the Survey of Consumer Finances every three years. The 2025 survey was released October 9, 2026, and these tables use it; the next survey is the SCF 2028. We update the percentile tables within two weeks of each release.