Net Worth by Age: Percentiles & Calculator (2026)
How does your net worth stack up? Below are the official US percentile breakpoints by age group, sourced from the Federal Reserve Survey of Consumer Finances (SCF) 2022 — the most comprehensive household wealth survey in the United States.
US Net Worth Percentiles by Age (2026)
Source: Federal Reserve Survey of Consumer Finances 2022. All values in USD.
| Age Group | 25th %ile | Median | 75th %ile | 90th %ile | Mean |
|---|---|---|---|---|---|
| 18–24 | $88 | $10,222 | $33,898 | $184,516 | $112,104 |
| 25–29 | $3,784 | $31,470 | $130,606 | $296,830 | $120,183 |
| 30–34 | $11,016 | $88,631 | $186,140 | $538,750 | $258,075 |
| 35–39 | $16,548 | $138,588 | $389,432 | $864,340 | $501,295 |
| 40–44 | $23,812 | $134,382 | $436,892 | $1.2M | $590,710 |
| 45–49 | $47,668 | $213,586 | $680,298 | $1.4M | $781,936 |
| 50–54 | $54,414 | $266,140 | $913,012 | $2.6M | $1.1M |
| 55–59 | $84,977 | $321,074 | $1.1M | $2.7M | $1.4M |
| 60–64 | $80,372 | $392,860 | $1.1M | $3M | $1.7M |
| 65–69 | $68,972 | $393,480 | $1.2M | $3M | $1.8M |
| 70–74 | $124,757 | $438,700 | $1.2M | $3M | $1.7M |
| 75–79 | $89,504 | $338,180 | $991,520 | $2.9M | $1.6M |
| 80+ | $95,230 | $327,200 | $944,334 | $2.5M | $1.6M |
How is net worth calculated?
Net worth is simple in theory: assets minus liabilities. Your assets include everything you own that has monetary value — cash, savings accounts, investment accounts (401k, IRA, brokerage), the equity in your home, vehicles, and any business interests.
Your liabilities are what you owe — student loans, car loans, credit card balances, personal loans, and your remaining mortgage balance. Note that home equity already accounts for your mortgage (home value minus mortgage = equity), so you don't double-count it.
The formula: Net Worth = Total Assets − Total Liabilities
Why median matters more than average
Look at the table above and you'll notice the mean (average) is dramatically higher than the median for every age group. For 35–44 year olds, the mean is $549,600 but the median is only $135,600 — a gap of over $400,000.
This happens because wealth is extremely skewed. A household worth $50 million pulls the average up for thousands of households around them. The median — the value where exactly half of households have more and half have less — is almost always the more honest benchmark for "what's normal."
When you compare yourself to the median, you're comparing to a real, typical household rather than a number inflated by billionaires.
How to improve your net worth
1. Eliminate high-interest debt first
Credit card debt at 20–30% APR is a guaranteed negative return on every dollar you carry. No investment reliably beats that. Pay off high-interest debt before investing beyond your employer's 401k match.
2. Max out tax-advantaged accounts
401k employer matches are an immediate 50–100% return. After that, a Roth IRA grows tax-free. These accounts compound faster because you're not losing a slice to taxes every year.
3. Increase income, not just frugality
Your savings rate is the biggest lever early in your career. A 10% raise has more impact than cutting $50/month from your budget. Negotiating your salary, developing high-value skills, and increasing income are often the highest-ROI moves.
Frequently Asked Questions
What is the average net worth by age in the US?
According to the Federal Reserve SCF 2022: Under 35: $183,500 mean / $39,000 median. Ages 35–44: $549,600 mean / $135,600 median. Ages 45–54: $975,800 mean / $247,200 median. Ages 55–64: $1,553,700 mean / $364,500 median. Ages 65–74: $1,794,600 mean / $409,900 median. Ages 75+: $1,624,100 mean / $335,600 median.
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). Assets include savings, investments, home equity, and other property. Liabilities include student loans, car loans, credit card debt, and mortgages.
Why is the median net worth so much lower than the average?
Because wealth is highly skewed. A small number of very wealthy households pull the average (mean) up dramatically, while the median — the midpoint where half earn more and half earn less — reflects what a typical household actually has. The median is almost always a more honest benchmark.
How can I improve my net worth?
The three highest-leverage moves are: (1) Eliminate high-interest debt first — credit card interest at 20%+ is a guaranteed negative return. (2) Max out tax-advantaged accounts like your 401k (especially any employer match) and Roth IRA. (3) Increase your income — your savings rate matters more than investment returns early on.
What percentile is considered good for my age?
Above the 50th percentile means you have more than half your peers. Above the 75th percentile is genuinely strong. The 'right' number depends on your goals — someone planning early retirement needs a much higher percentile than someone counting on Social Security and a pension.
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