Where does your net worth rank?
Against US households your age, and against all of them, from the Federal Reserve's 2025 Survey of Consumer Finances, the survey every net worth percentile comes from. The median US household is worth $216k; the top 10% starts at $2.5M and the top 1% at $16M.
Net worth: $100k
Households headed by someone 35 to 44
41st percentile
Top 59%. Median: $156k; top 10% starts at $1.2M.
All US households
37th percentile
Top 63%. Median: $216k; top 10% starts at $2.5M.
Savings and investments: $100k
Households headed by someone 35 to 44
67th percentile
Top 33%. Median: $31k; top 10% starts at $580k.
All US households
61st percentile
Top 39%. Median: $41k; top 10% starts at $1.2M.
Starts a free plan with these savings. The guide asks what you earn and spend and when you'd like to stop working, then shows how long the money lasts in every market since 1871.
Net worth percentiles by age, 2025
Everything a household owns, including its home, minus everything it owes.
| Percentile | All | Under 35 | 35–44 | 45–54 | 55–64 | 65–74 | 75+ |
|---|---|---|---|---|---|---|---|
| 10th | $210 | −$12k | −$840 | $2.1k | $1.7k | $6.5k | $9.4k |
| 25th | $28k | $3.1k | $18k | $55k | $72k | $118k | $144k |
| Median | $216k | $33k | $156k | $255k | $411k | $432k | $505k |
| 75th | $813k | $145k | $468k | $942k | $1.4M | $1.3M | $1.4M |
| 90th | $2.5M | $351k | $1.2M | $2.6M | $3.5M | $3.7M | $4.2M |
| 95th | $4.9M | $477k | $2.4M | $5.2M | $7.5M | $7.3M | $6.8M |
| 99th | $16M | $1.6M | $8.3M | $14M | $20M | $20M | $20M |
Savings and investments by age, 2025
Financial assets only: bank accounts, brokerage and retirement accounts, bonds, cash-value life insurance. No home equity, no debts.
| Percentile | All | Under 35 | 35–44 | 45–54 | 55–64 | 65–74 | 75+ |
|---|---|---|---|---|---|---|---|
| 10th | $310 | $260 | $260 | $250 | $390 | $600 | $500 |
| 25th | $3.2k | $1.5k | $3.0k | $5.3k | $3.6k | $5.0k | $4.3k |
| Median | $41k | $12k | $31k | $74k | $87k | $81k | $96k |
| 75th | $297k | $55k | $163k | $410k | $665k | $523k | $712k |
| 90th | $1.2M | $164k | $580k | $1.1M | $1.9M | $2.0M | $2.4M |
| 95th | $2.7M | $282k | $956k | $2.6M | $4.9M | $4.3M | $4.7M |
| 99th | $9.5M | $626k | $4.2M | $8.0M | $15M | $14M | $15M |
Reading your number
Net worth counts the house. The survey adds up everything a household owns, home and vehicles included, and subtracts every debt, the mortgage included. Most American wealth outside the top tenth is home equity, which is why the savings-only table is so much lower than the net worth table at the same percentile. If you rent, compare your savings on the second table rather than feeling behind on the first.
Age changes everything. Half of households under 35 have less than $33k to their name; half of those 65 to 74 have more than $432k. The same $250k is the 83rd percentile under 35 and the 38th percentile at 65 to 74. The age comparison is the honest one.
The top is steep. From the median to the 90th percentile is about 12 times; from the 90th to the 99th is another 6 times. Above the 99th percentile the survey has too few households to say much, so this page stops at “top 1%”.
A percentile is not a plan. Ranking well at 45 says nothing about whether the money lasts to 95: that depends on what you spend, when you stop working, taxes, Social Security and the order the markets arrive in. The button above starts a plan with your savings and runs it through every market since 1871.
Where the numbers come from
- The Federal Reserve's 2025 Survey of Consumer Finances, released in October 2026: 4,360 households interviewed through 2025, with the wealthy oversampled so the top is measured, then weighted to represent all US households.
- Percentiles are weighted, so they describe the country, not the sample. Dollar figures are in 2025 dollars. Age is the household head's.
- Net worth is the survey's own total (all assets minus all debts). Savings and investments is its “financial assets” total. Both are per household, not per person.
- The survey runs every three years; this page updates when the next wave comes out.