Net worth · Federal Reserve SCF 2022
What’s your net worth percentile?
What counts, and whose age
Net worth is what the household owns minus what it owes: its home and other property, vehicles, accounts, retirement funds and businesses, less its mortgages, loans and credit card balances. The survey’s household is its primary economic unit: the economically dominant single person or couple and anyone else in the home who shares finances with them. The age is that of the household head, the survey’s reference person. Federal Reserve definitions.
Retirement means IRAs, 401(k) and similar plans and account-type pensions. Cash means checking, savings, money market and call accounts and prepaid cards. Households with none count as $0.
Add your age to compare with households headed by someone your age.
Each tick is one household in 100, from lowest to highest net worth. The curve above them is what each one was worth, on a scale that spreads out amounts near $0 so debts and the long top tail both fit.
The same amount, other crowds
Each card is its own line of 100. The age group is the one the Federal Reserve publishes; it appears once you give an age.
Net worth by exact age, 2022
Each row is the smoothed window for that age: households whose head is within about three years of it, weighted toward the age itself.
| Age of head | Window | 25th percentile | Median | 75th percentile | 90th percentile |
|---|---|---|---|---|---|
| 25 | 21–29 | $2,050 | $20,940 | $112,140 | $290,500 |
| 30 | 27–33 | $4,740 | $65,000 | $165,320 | $385,700 |
| 35 | 32–38 | $13,580 | $105,880 | $298,560 | $715,900 |
| 40 | 37–43 | $24,780 | $154,140 | $434,250 | $1.19M |
| 45 | 42–48 | $29,200 | $168,850 | $533,190 | $1.31M |
| 50 | 47–53 | $42,301 | $254,800 | $801,000 | $2.03M |
| 55 | 52–58 | $73,530 | $280,760 | $1.23M | $2.65M |
| 60 | 57–63 | $78,700 | $348,200 | $1.03M | $3.02M |
| 65 | 62–68 | $71,781 | $406,800 | $1.15M | $3.01M |
| 70 | 67–73 | $102,240 | $405,950 | $1.10M | $2.73M |
| 75 | 72–78 | $123,600 | $423,600 | $1.11M | $2.81M |
| 80 | 77–83 | $78,751 | $310,000 | $994,900 | $4.03M |
| 85 | 79–91 | $85,600 | $316,000 | $929,200 | $2.20M |
Age windows rank no finer than their top 5%, because each holds a few hundred surveyed households. All households together rank to the top 1%. The methodology gives the window rule and the checks against the Federal Reserve’s published figures.
The Federal Reserve’s own age groups have their own pages: head under 35 · head 35–44 · head 45–54 · head 55–64 · head 65–74 · head 75 and up. For yearly income, use the household income percentile calculator.
FAQ
What counts as net worth here?
Everything the household owns minus everything it owes. Owned: the home and other property, vehicles, bank and brokerage accounts, retirement accounts, the cash value of life insurance, and businesses. Owed: mortgages, car and student loans, credit cards and other debt.
How is my age used?
Your household is compared with households whose head is within about three years of your age, counting heads your own age most and those at the window’s ends least. A window that would hold fewer than 250 surveyed households is widened a year at a time. The result always names the ages it used.
What is the median net worth at 35?
About $105,880 for households headed by someone 32 to 38, in the 2022 survey. At 60 it is about $348,200 (heads 57 to 63).