Net Worth
Percentiles by Age
How much wealth puts you in the top 10%, the top 1%, or simply above average? The answer depends almost entirely on your age. These tables use the Federal Reserve's Survey of Consumer Finances, broken into thirteen age bands.
Net Worth Percentile Calculator
Enter a net worth and age, get your exact percentile rank and the gap to the next rung.
Net Worth Calculator
Don't know your number yet? Add up assets and debts by category first.
Want a different angle? Compare your income percentile by age, see how rich you are globally, or read the average net worth by age guide. Just want to check your retirement account? See the average and median 401(k) balance by age.
US Net Worth Percentiles, All Ages
Household net worth thresholds across every US household, regardless of age.
| Percentile | Net worth | What it means |
|---|---|---|
| 25th | $27,800 | Three in four households have more |
| 50th (median) | $215,900 | The exact middle of the country |
| 75th | $812,500 | Top quarter of households |
| 90th | $2,550,000 | Top 10% |
| 95th | $4,907,000 | Top 5% |
| 99th | $16,463,320 | Top 1% |
Mean US household net worth is $1,241,500 — over five times the median of $215,900. That gap is the clearest single statistic about wealth concentration in the United States, and it's why the median is the more useful benchmark for almost everyone.
Net Worth Percentile by Age (SCF 2025)
Thirteen five-year bands. Each cell is the net worth needed to reach that percentile within that age group.
| Age | 25th | Median | 75th | Top 10% | Top 5% | Top 1% |
|---|---|---|---|---|---|---|
| 18–24 | $984 | $13,223 | $55,096 | $106,312 | $233,222 | $464,428 |
| 25–29 | $2,928 | $35,428 | $130,060 | $288,626 | $425,566 | $738,994 |
| 30–34 | $7,528 | $63,826 | $251,478 | $435,950 | $748,450 | $2,560,000 |
| 35–39 | $11,302 | $125,274 | $416,560 | $1,141,662 | $1,826,434 | $6,106,536 |
| 40–44 | $31,130 | $184,220 | $550,194 | $1,422,940 | $3,361,384 | $10,284,240 |
| 45–49 | $51,248 | $219,667 | $774,120 | $2,043,308 | $4,018,576 | $11,659,801 |
| 50–54 | $58,464 | $284,442 | $1,035,442 | $3,263,372 | $6,351,724 | $18,504,610 |
| 55–59 | $35,530 | $264,584 | $1,305,700 | $3,245,528 | $6,613,336 | $17,277,480 |
| 60–64 | $107,680 | $527,752 | $1,494,360 | $3,815,220 | $9,243,840 | $21,953,380 |
| 65–69 | $112,317 | $437,162 | $1,282,012 | $3,454,820 | $6,643,230 | $22,030,640 |
| 70–74 | $118,850 | $423,788 | $1,359,674 | $3,952,060 | $8,662,000 | $20,533,680 |
| 75–79 | $136,550 | $442,326 | $1,354,500 | $4,173,760 | $6,891,240 | $22,213,920 |
| 80+ | $197,222 | $566,490 | $1,522,310 | $4,188,700 | $6,857,640 | $19,334,090 |
What Percentile Is a Specific Net Worth?
Each page breaks a single net worth figure down across all thirteen age bands.
Frequently Asked Questions
What is the net worth percentile by age in 2026?
The most recent data is the Federal Reserve's 2025 Survey of Consumer Finances, released in October 2026. The median household aged 45–49 has $219,667, and the top 10% of that group starts at $2,043,308. For households aged 65–69, the median is $437,162 and the top 10% starts at $3,454,820. The full table above covers all thirteen age bands.
What net worth puts you in the top 10% by age?
It ranges from $106,312 for households aged 18–24 to $4,188,700 at the highest age band. Across all ages, the top 10% starts at $2,550,000.
What net worth is top 1% in the US?
About $16,463,320 across all households. The SCF has few households at that level and excludes the Forbes 400, so treat it as an approximate floor.
Is net worth percentile the same as income percentile?
No. Net worth measures what you have accumulated; income measures what you earn each year. A high earner early in a career can rank high on income and low on net worth, and a retiree can be the reverse.
Data & method
Source: Federal Reserve Survey of Consumer Finances, 2025 wave (released October 2026). Figures are in 2025 survey dollars, exactly as the Federal Reserve publishes them. Percentiles between published breakpoints are estimated by log-space interpolation. The SCF excludes the Forbes 400 and has limited sample size above the 95th percentile, so upper-percentile figures are approximate floors rather than exact thresholds. The next wave is expected in 2029. Informational only; not financial advice.