Methodology

Data source

All percentile benchmarks come from the Federal Reserve 2025 Survey of Consumer Finances (SCF), published October 2026. Dollar figures are in 2025 dollars.

The SCF is conducted every three years by the Federal Reserve Board. It is the most comprehensive source of US household wealth data available. The 2025 survey interviewed 4,367 families, with deliberate oversampling of high-wealth households to ensure accuracy at the top of the distribution.

Percentile calculation

Each age bracket has a set of percentile breakpoints built from the 2025 SCF, and they do not all come from the same place, so here is exactly which is which:

• Median (50th):the Federal Reserve’s own published figure for each age group (Table 2 of the October 2026 SCF Bulletin).
• 1st, 5th, 10th, 25th, 75th, 90th, 95th and 99th: the Fed publishes only medians and means by age, so we calculated these from the Fed’s public SCF summary data: weighted percentiles within each of the Bulletin’s six age groups, using the survey weights across all five implicates, rounded to the nearest $1,000. The public file has 4,360 of the 4,367families and alters some values to protect privacy, so these points can differ a little from figures computed on the Fed’s internal data. The 99th percentile is the least precise.

For a net worth between two breakpoints, the calculator interpolates linearly to estimate the percentile.

For example: if the 50th percentile for ages 35-44 is $155,600 and the 75th percentile is $468,000, a net worth of $300,000 would be approximately at the 62nd percentile (roughly 46% of the way between 50 and 75 on a linear scale).

This method produces accurate estimates near the known breakpoints and approximations between them. Results are rounded to the nearest whole percentile.

Age brackets

The SCF groups household wealth by age of the household head: Under 35, 35-44, 45-54, 55-64, 65-74, and 75 and older. This calculator uses the same groupings. If your household has two earners, use the age of the primary earner or financial decision-maker.

Limitations

• SCF data is collected every three years, so the figures lag current markets. The next survey is expected in 2029.
• The Bulletin restates the 2022 survey in 2025 dollars. Figures here are in 2025 dollars, so they are not directly comparable with the 2022-dollar figures this site showed before October 2026.
• Percentiles represent household net worth, not individual net worth. For couples, total household assets and debts should be combined.
• Very high net worth values (above the 99th percentile) use the top known breakpoint as a ceiling; actual percentiles for extreme values may differ.
• This tool does not store any data you enter. All calculations happen entirely in your browser.

Not financial advice

This calculator provides context for understanding your net worth relative to US households. It does not constitute financial advice, investment advice, or any recommendation to take or refrain from taking any action. Consult a licensed financial advisor for personalized guidance.