Net worth percentile calculator by age
Enter your household net worth and see exactly where you stand among all U.S. households — and among people your age. Every number comes from the Federal Reserve's Survey of Consumer Finances, with 2026-dollar estimates alongside.
Median net worth
$192,700
≈ $219,900 in 2026 dollars
Top 10% starts at
$1.94M
all U.S. households
Top 1% starts at
$13.6M
all U.S. households
Millionaire households
18.0%
net worth of $1M or more
The data
Net worth percentiles by age: the full table
This is the complete net worth percentile breakdown by age group, computed from the Federal Reserve's SCF 2022 microdata. Find your age column, then the row closest to your net worth. Values are in survey-year (2022) dollars; the next section converts the all-ages thresholds to 2026 dollars, and the CSV download includes 2026-dollar values for every age group.
| Percentile | All households | Under 35 | 35–44 | 45–54 | 55–64 | 65–74 | 75+ |
|---|---|---|---|---|---|---|---|
| 10th | $450 | -$12,800 | $120 | $4,201 | $5,502 | $4,860 | $10,001 |
| 25th | $27,000 | $3,900 | $19,100 | $51,310 | $81,770 | $87,000 | $93,551 |
| 50th · median | $192,700 | $39,040 | $135,300 | $246,700 | $364,270 | $410,000 | $334,700 |
| 75th | $659,000 | $152,550 | $415,000 | $800,000 | $1,122,200 | $1,176,100 | $975,200 |
| 90th | $1,936,900 | $372,220 | $1,049,650 | $1,973,580 | $2,960,900 | $2,997,400 | $2,699,000 |
| 95th | $3,795,600 | $623,800 | $1,759,100 | $3,327,000 | $6,235,700 | $6,630,905 | $5,828,800 |
| 99th (top 1%) | $13,615,400 | $2,375,100 | $7,009,500 | $12,525,000 | $17,627,000 | $19,908,000 | $17,726,250 |
Source: Federal Reserve SCF 2022 · 4,595 families · weighted
Download CSVNote the negative 10th percentile for under-35 households — at least one in ten young households owes more than it owns, mostly due to student loans.
Inflation-adjusted
Net worth percentiles in 2026 dollars
SCF dollar amounts are from 2022, and prices have risen about 14.1% since. Some sites silently inflate these numbers and present them as fresh data; we'd rather show you both, side by side. The table below converts each all-ages threshold to May 2026 dollars using the Consumer Price Index (2022 annual average of 292.626 to the May 2026 index of 333.979, a factor of 1.1413) — a reasonable approximation of where the wealth distribution sits today, clearly labeled as an estimate.
| Percentile | 2022 survey dollars | In May 2026 dollars (est.) |
|---|---|---|
| 10th | $450 | $500 |
| 25th | $27,000 | $30,800 |
| 50th · median | $192,700 | $219,900 |
| 75th | $659,000 | $752,100 |
| 90th | $1,936,900 | $2,210,600 |
| 95th | $3,795,600 | $4,331,900 |
| 99th (top 1%) | $13,615,400 | $15,539,300 |
2022 values × CPI-U factor 1.1413 · rounded to $100
All age groups: CSVEstimated: 2022 survey values × CPI-U factor 1.1413, rounded to the nearest $100. This adjusts for inflation only — not for real changes in wealth since 2022. The calculator above uses the official survey values; 2026-dollar estimates for every age group are in the CSV download.
Composition
What net worth is made of at each level
Wealth isn't just a number — its composition changes completely as you move up the distribution. For households in the 25th–75th percentile, the family home is most of the balance sheet. In the top 1%, homes are 7% of assets while private business equity is 40%. And the bottom quartile owes more than it owns. Shares below are percent of each group's total assets.
| Percentile band | Median net worth | Home | Retirement | Business | Stocks & funds | Vehicles | Debt / assets |
|---|---|---|---|---|---|---|---|
| Bottom 25% | $3,471 | 35% | 8% | 1% | 1% | 39% | 118% |
| 25th-50th | $93,400 | 66% | 8% | 1% | 1% | 13% | 50% |
| 50th-75th | $356,900 | 60% | 13% | 3% | 2% | 7% | 25% |
| 75th-90th | $1,036,300 | 42% | 22% | 5% | 7% | 4% | 14% |
| 90th-99th | $3,340,000 | 22% | 22% | 16% | 18% | 2% | 6% |
| Top 1% | $20,415,960 | 7% | 6% | 40% | 26% | 1% | 2% |
Dollar-weighted share of each band's total assets
Full analysis →Remaining share is other real estate, cash and CDs, bonds, trusts, and miscellaneous assets. A debt-to-asset ratio above 100% means the group collectively owes more than it owns. Deeper analysis in How Americans Actually Build Wealth.
The housing question
Net worth with and without home equity
"Does my house really count?" is the most common objection to these numbers. It does count — but here's how the distribution looks both ways. Excluding home equity, the median U.S. household net worth falls from $192,700 to $66,570 — for the typical family, the house is most of the wealth.
| Percentile | All assets | Excluding home equity |
|---|---|---|
| 25th | $27,000 | $9,530 |
| 50th · median | $192,700 | $66,570 |
| 75th | $659,000 | $369,000 |
| 90th | $1,936,900 | $1,399,000 |
| 99th | $13,615,400 | $12,287,000 |
Both columns in 2022 survey dollars
At the top of the distribution the gap shrinks — wealthy households hold most of their wealth outside the home.
Millionaire odds
What percentage of households are millionaires?
18.0% of U.S. households have a net worth of $1 million or more — but the odds depend heavily on age:
| Age group | Millionaire households |
|---|---|
| Under 35 | 2.1% |
| 35–44 | 10.4% |
| 45–54 | 20.6% |
| 55–64 | 27.3% |
| 65–74 | 28.5% |
| 75+ | 23.6% |
Share of households with net worth ≥ $1,000,000, in nominal 2022 dollars. Nearly 3 in 10 households aged 65–74 are millionaires; about 1 in 47 under 35 are.
Context
Am I rich? What net worth makes you wealthy?
Whether you're "rich" depends on how you define it. By the numbers: to be in the top 10% of U.S. households, you need a net worth of at least $1,936,900. The top 5% starts at $3,795,600, and the top 1% requires $13,615,400 or more. About 18% of American households are millionaires. But context matters — a million dollars in net worth means very different things at age 30 versus age 65, and in San Francisco versus rural Mississippi. Use the income percentile calculator alongside this tool to see the full picture of where you stand.
Median net worth by age
Net worth typically grows with age as people accumulate savings, build home equity, and benefit from investment growth. It peaks around ages 65–74, then declines slightly as retirees draw down savings.
| Age group | Median | Median (2026 $) | Average |
|---|---|---|---|
| Under 35 | $39,040 | $44,600 | $183,376 |
| 35–44 | $135,300 | $154,400 | $548,072 |
| 45–54 | $246,700 | $281,600 | $971,230 |
| 55–64 | $364,270 | $415,700 | $1,564,060 |
| 65–74 | $410,000 | $467,900 | $1,780,696 |
| 75+ | $334,700 | $382,000 | $1,620,103 |
The 2026 $ column is a CPI-based estimate — see the methodology section below.
Why average net worth is misleading
The average U.S. household net worth of $1,059,457 is more than 5× the median of $192,700. This massive gap exists because net worth is extremely right-skewed: a small number of very wealthy households (billionaires, mega-millionaires) pull the average up dramatically. The median — the point where exactly half of households are above and half below — is a much more useful benchmark for where a typical household stands.
Methodology
How these numbers are made
Nothing here is estimated by a model or scraped from another site. You can reproduce every figure from the public microdata.
Source data
Every number on this page is computed from the Federal Reserve Survey of Consumer Finances (SCF) 2022 public microdata — the gold standard for U.S. household wealth measurement. The public microdata covers 4,595 families, interviewed mostly between mid-2022 and April 2023, weighted to represent all ~131 million U.S. households, with a deliberate oversample of wealthy households that keeps estimates reliable up to roughly the top 0.5% of the distribution.
How we compute percentiles
The SCF publishes five statistical copies ("implicates") of
each household to handle missing answers. We pool all five and
compute weighted percentiles over them (using the survey
weight WGT),
the same way the Fed builds its published tables from the
public data: the overall median ($192,700), the median
for every age group, and the median of every wealth band
below match the Fed's figures. (The Fed's headline
$192,900 comes from its confidential internal data, which
only the Fed can use.) The calculator interpolates between
published breakpoints, so results cap at the 99.9th percentile.
What counts as net worth
All assets (home at market value, vehicles, account-type retirement savings like 401(k)s and IRAs, stocks, funds, businesses, cash) minus all debts (mortgages, student loans, credit cards, auto loans). Importantly, the SCF measure excludes traditional defined-benefit pensions and Social Security wealth — if you have a pension, your true position is stronger than your percentile here suggests.
2026-dollar estimates
Survey values × 1.1413, the CPI-U change from the 2022 annual average (292.626) to May 2026 (333.979), per BLS CPI-U (series CPIAUCSL, via FRED). Rounded to the nearest $100 and labeled as estimates everywhere they appear. This adjusts for inflation only; the real distribution has also shifted since 2022, which only the next survey can measure.
Limitations
Asset composition is dollar-weighted within each percentile band (share of the group's total assets, not the typical household's ratio), computed over all five implicates pooled like everything else on this page. The SCF is a survey — the extreme top is underrepresented by design (the Forbes 400 are excluded), so percentiles above the 99th read as floors, not exact ranks. The Fed fields the SCF every three years; the 2025 wave is expected in late 2026, and this page will be rebuilt on it the week it lands.
Cite this page
Lundrigan, J. (2026). Net Worth Percentile Calculator by Age. Efficient Dollar. Data: Federal Reserve SCF 2022. https://efficientdollar.com/tools/net-worth-percentile/ Common questions
Things people ask
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