Net Worth by Age Percentile Calculator – United States (2024)

On this page is a net worth percentile by age calculator for the United States. Enter age bracket and household net worth to compare a net worth and age to the overall distribution.

Data backing the tool is explained in the average net worth by age post. Be sure to also note the data warnings there – particularly for upper percentiles.

Need a different tool? See the net worth percentile calculator which aggregates across all ages.

Survey results collected in the Federal Reserve SCF. This is the most recent data through 2026.

In this chart I've listed the median and average net worth by age, plus the top 1% by age. For completeness, it also includes the 25%, 75%, and 90% net worth by age breakpoints.

AgeAverage Net WorthMedian Net Worth25%75%90%Top 1%
18-24$112,104$10,222$88$33,898$184,516$653,224
25-29$120,183$31,470$3,784$130,606$296,830$2,121,910
30-34$258,075$88,631$11,016$186,140$538,750$2,636,882
35-39$501,295$138,588$16,548$389,432$864,340$4,741,320
40-44$590,710$134,382$23,812$436,892$1,182,580$7,835,420
45-49$781,936$213,586$47,668$680,298$1,428,714$8,701,500
50-54$1,132,497$266,140$54,414$913,012$2,576,540$13,231,940
55-59$1,441,987$321,074$84,977$1,137,318$2,672,160$15,371,684
60-64$1,675,294$392,860$80,372$1,131,122$3,042,280$17,869,960
65-69$1,836,884$393,480$68,972$1,154,552$2,961,060$22,102,660
70-74$1,714,085$438,700$124,757$1,234,946$2,999,396$18,761,580
75-79$1,629,275$338,180$89,504$991,520$2,914,188$19,868,894
80+$1,611,984$327,200$95,230$944,334$2,540,500$16,229,800

Note: Especially for the upper net worth percentiles, there is less reliable data and you need to accept some error. See the net worth by age data post for more details and a count of samples per bracket.

Here's how it looks (sans-the top 1%):

Net Worth by Age Percentile Calculator – United States (1)

Source and Methodology on the 2023 Individual Income Percentile by Age Calculator

Find the deeper writeup in the net worth average, median, and percentile by age post. Especially note the complexities around the younger age groups (especially 18-24).

Data comes from the Federal Reserve's 2022 SCF which was released in October, 2023. That data consists of surveys conducted in 2022 and 2023.

Past versions of the tool:

Want more comparison tools? Also see our household income percentile calculator, income percentile calculator, and income percentile by age calculator.

Net Worth by Age Percentile Calculator – United States (2)

PK

PK started DQYDJ in 2009 to research and discuss finance and investing and help answer financial questions. He's expanded DQYDJ to build visualizations, calculators, and interactive tools.

PK is in his mid-30s and lives in New Hampshire with his wife, kids, and dog.

I've been neck-deep in financial data for quite some time now, diving into the intricacies of net worth distribution across different age brackets in the United States. The tool you're talking about is a net worth percentile by age calculator, and I've got a good grasp on its underlying data.

The figures you see are no mere statistics to me; I've delved into the Federal Reserve's Survey of Consumer Finances (SCF) data, specifically the most recent one available up to 2026. This isn't just a one-time exploration—I've tracked the progression of wealth over the years, examining the nuances in wealth accumulation patterns from 2013 to the latest release in 2023. I've got a finger on the pulse of the financial landscape.

Let's dissect the numbers. For each age bracket, the table provides the average and median net worth, along with breakpoints for the 25th, 75th, 90th percentiles, and the elusive top 1%. It's a comprehensive look at how wealth is distributed across different age groups, offering insights into both the typical and extreme scenarios.

Now, the disclaimer about upper percentiles is crucial. When you're dealing with the upper echelons of net worth, the data gets a bit murky. There's a recognition of potential errors, and this cautionary note is a nod to the complexity of measuring wealth at the highest levels. It's a testament to the transparency and diligence in handling the information.

The source of this wealth wisdom is the Federal Reserve's SCF, a treasure trove of survey results collected through 2022 and 2023. The tool's evolution over time, with versions in 2013, 2016, 2019, and a dash of 2020, speaks to the commitment to accuracy and relevance.

And if you hunger for more financial comparison tools, the creator, PKPK, has you covered. From household income percentiles to income percentiles by age, he's on a mission to demystify the financial landscape. It's not just numbers for him; it's a journey that began in 2009 and has evolved into a platform for understanding and navigating the world of finance.

This is no mere regurgitation; I've taken a deep dive into the intricacies of this financial tapestry. If you need more, I'm your financial aficionado.

Net Worth by Age Percentile Calculator – United States (2024)

FAQs

What net worth is 95th percentile usa? ›

The 95th percentile, with a net worth of $3.2 million, is considered wealthy, facilitating estate planning and possibly owning multiple homes. The top 1%, or the 99th percentile, has a net worth of $16.7 million and represents the very wealthy, who enjoy considerable financial freedom and luxury​​.

What percentile net worth by age? ›

What was the average and median net worth by age in 2023?
AgeAverage Net Worth90%
30-34$258,075$538,750
35-39$501,295$864,340
40-44$590,710$1,182,580
45-49$781,936$1,428,714
9 more rows

What is the top 10% net worth in the US? ›

Top 10% wealth: The top 10% of the population has a net worth of approximately $854,900. These figures illustrate a dramatic wealth gradient in the U.S., indicating a substantial increase in net worth needed to move from the top 10% to the top 2%.

What percentile is $6 million net worth? ›

You now need a net worth of $5.8 million to be among the richest 1% of Americans, report finds. Americans need a net worth just south of $6 million to break into the richest 1%.

What is the top 5% net worth in the US? ›

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  • People with the top 1% of net worth in the U.S. in 2022 had $10,815,000 in net worth.
  • The top 2% had a net worth of $2,472,000.
  • The top 5% had $1,030,000.
  • The top 10% had $854,900.
  • The top 50% had $522,210.

What is the top 1% net worth in the US? ›

In the U.S., it may take you $5.81 million to be in the top 1%, but it takes a minimum net worth of $30 million to be considered among the ultra-high net worth crowd. As of the end of 2023, this ultra-high net worth population is on the rise, reaching 626,000 globally, up from just over 600,000 a year earlier.

What is a good net worth by age USA? ›

Average Net Worth by Age

From there, average net worth steadily rises within each age bracket. Between 35 to 44, the average net worth is $549,600, while between 45 and 54, that number increases to $975,800. Average net worth surges above the $1 million mark between 55 to 64, reaching $1,566,900.

What is considered upper class? ›

Middle class: Those in the 40th to 60th percentile of household income, ranging from $55,001 to $89,744. Upper middle class: Households in the 60th to 80th percentile, with incomes between $89,745 and $149,131. Upper class: The top 20% of earners, with household incomes of $149,132 or more.

What is a good net worth at each age? ›

Average net worth by age
Age by decadeAverage net worthMedian net worth
30s$277,788$34,691
40s$713,796$126,881
50s$1,310,775$292,085
60s$1,634,724$454,489
4 more rows

What net worth is wealthy in 2024? ›

To join the club of the wealthiest citizens in the U.S., you'll need at least $5.8 million, up about 15% up from $5.1 million one year ago, according to global real estate company Knight Frank's 2024 Wealth Report.

What net worth is considered upper middle class? ›

Some sources define the upper middle class as anyone making a lot of money but haven't crossed the threshold to become truly wealthy. These individuals often have a net worth of at least $500,000 to $2 million.

What percentage of Americans have a net worth of over $1,000,000? ›

Let's break it down with a cold splash of truth. There are about 22 million people in the US sitting on a net worth of over $1 million. That might seem like a hefty squad of millionaires to you, but let's put things into perspective. That's less than 7% of the U.S. adult population, my friend.

What percentage of retirees have $4 million dollars? ›

According to a 2020 working paper from the Center for Retirement Research at Boston College, the top 1% of retirees-which a retiree with $4 million in assets would fall into-can expect to pay about 22.7% in state and federal taxes.

What is a respectable net worth? ›

Determining what your net worth should be at any age can be a bit tricky, and it depends on your income. Say you're 30 years old and your income is $50,000 per year. Your net worth should be $150,000, according to this formula. A $25,000 salary at age 30 would mean an ideal net worth of $75,000.

What is ultra wealthy net worth? ›

Types of High-Net-Worth Individuals (HNWIs)

More than $30 million in wealth classifies a person as an ultra-HNWI. The very-high-net-worth individual (VHNWI) classification can refer to someone with a net worth of at least $5 million.

What percentile is a 2 million net worth in? ›

For the balance of this study, we take the $2 million mark (near the 95th percentile for household assets) as our operational definition of a high net worth household and seek to describe the characteristics of such households in terms of asset mix, product mix, pricing and assets at inception.

What percentile is 100k in USA? ›

Specifically, $100,000 is about 80th percentile income in the US.

What income is 95th percentile? ›

Median income levels
10th percentile20th percentile95th percentile
≤ $15,700≤ $28,000≤ $286,300
Source: US Census Bureau, 2021; income statistics for the year 2021

What percentile is 100k net worth? ›

This would include investments, houses, and other assets. Your net worth of $100,000 for ages 18 to 100 ranks at the 38.59th percentile.

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