Type in your household’s net worth, or add it up from what you own and owe, and see where it ranks among the roughly 135 million US households, overall and against households your age. The numbers are new: they come from the Federal Reserve’s 2025 Survey of Consumer Finances, published in October 2026, which most other calculators have not caught up with yet.
What the 2025 numbers say
- The typical US household is worth $215,900. That is the median: half of households have more, half have less. It rose about 2% from 2022 after inflation.
- The average is $1.23 million, nearly six times the median. A small number of very rich households pull the mean up; it tells you little about a typical family.
- The top 10% starts at about $2.55 million, the top 5% at about $4.9 million, and the top 1% at about $16.5 million.
- About 21.5% of households, roughly 29 million, have $1 million or more. Being a millionaire is now closer to one household in five than one in a hundred.
- Age does most of the sorting. The median for households headed by someone under 35 is $32,600. For 75 and over it is $511,400, the highest of any age group.
- About 8% of households have a negative net worth: they owe more than they own. Among under-35s it is about 17%.
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The tables
Everything the calculator uses, in plain form. “Head of household” is the Fed’s term for the person the survey is organized around: in a couple, usually the older or higher-earning partner.
Net worth by age, 2025
| Age of head of household | Households | Median | Mean (average) | Top 10% starts at | Top 1% starts at |
|---|---|---|---|---|---|
| Under 35 | 26.4M | $32,600 | $135,700 | $350,600 | $1.61 million |
| 35–44 | 23.4M | $154,800 | $669,300 | $1.23 million | $8.33 million |
| 45–54 | 21.8M | $251,600 | $1.24 million | $2.58 million | $14.56 million |
| 55–64 | 23.2M | $411,500 | $1.87 million | $3.41 million | $20.5 million |
| 65–74 | 22.0M | $429,800 | $1.87 million | $3.6 million | $20.53 million |
| 75 and over | 18.1M | $511,400 | $1.95 million | $4.14 million | $20.37 million |
| All households | 135.0M | $215,900 | $1.23 million | $2.55 million | $16.46 million |
Net worth percentiles, all US households, 2025
| Percentile | Net worth at that point | In plain words |
|---|---|---|
| 10th | $225 | The bottom 10% have less than this (many owe more than they own) |
| 25th | $27,800 | A quarter of households have less |
| 50th | $215,900 | The median: half have more, half have less |
| 75th | $812,500 | Top 25% starts here |
| 90th | $2.55 million | Top 10% starts here |
| 95th | $4.91 million | Top 5% starts here |
| 99th | $16.46 million | Top 1% starts here |
| 99.9th | $63.82 million | Top 0.1% starts here (approximate) |
Percentiles by age, 2025
| Age | 25th | 50th | 75th | 90th | 95th | 99th |
|---|---|---|---|---|---|---|
| Under 35 | $3,100 | $32,600 | $146,700 | $350,600 | $476,000 | $1.61 million |
| 35–44 | $17,600 | $154,800 | $469,600 | $1.23 million | $2.39 million | $8.33 million |
| 45–54 | $54,700 | $251,600 | $939,700 | $2.58 million | $5.27 million | $14.56 million |
| 55–64 | $72,600 | $411,500 | $1.4 million | $3.41 million | $7.49 million | $20.5 million |
| 65–74 | $117,600 | $429,800 | $1.32 million | $3.6 million | $7.09 million | $20.53 million |
| 75 and over | $145,300 | $511,400 | $1.42 million | $4.14 million | $6.9 million | $20.37 million |
The Wealth Levels ladder: how many households sit on each rung
| Net worth | Share of US households | Households |
|---|---|---|
| Below $1 million | 78.5% | 105.9 million |
| $1M–$5M: the millionaires next door | 16.6% | 22.4 million |
| $5M–$30M: very-high-net-worth | 4.6% | 6.2 million |
| $30M–$100M: the start of ultra-high-net-worth | 0.29% | 400,000 |
| $100M and up: centi-millionaires and billionaires | 0.06% | 80,000 |
Source: our calculation from the Federal Reserve's 2025 Survey of Consumer Finances public data (4,360 families, weighted to 135 million households). 2025 dollars. The top rows are less precise and exclude the Forbes 400; see how we calculated this.
How to read your result
It is a household number, not a personal one
The survey measures the combined wealth of a family living together: a single person, or a couple and the children who depend on them. If you are married or share finances with a partner, enter what the two of you own and owe together. Comparing one spouse’s half against whole households will understate where you stand.
Median, not mean, is the typical household
Most “average net worth by age” figures you will see quoted are means, and they are misleading. In every age group the mean is three to five times the median, because a few households with tens of millions of dollars drag it up. If you are below the average for your age, you are probably still above the typical household. The calculator compares you with the full distribution, so this problem does not arise.
Age matters more than almost anything
Net worth mostly accumulates: a mortgage gets paid down, retirement accounts compound, and debts get paid off. A 30-year-old with $150,000 is ahead of about three-quarters of their age group but only about 43% of all households. Comparing against your own age band is the fairer test. The bar chart in the result shows the same net worth against every age group, so you can see how the comparison shifts.
What counts as net worth
Net worth is everything you own minus everything you owe. In the survey that means:
- Counted as yours: the market value of your home and any other property; retirement accounts (401(k), 403(b), IRA, and pension balances you could cash out); brokerage accounts, funds, bonds and crypto; checking, savings and CDs; the cash value of life insurance; your share of any business; vehicles.
- Subtracted: mortgages and home equity lines, student loans, car loans, credit card balances, and any other debt.
- Not counted: future Social Security benefits and traditional pensions that pay an income but have no balance you can withdraw. For many retirees these are worth hundreds of thousands of dollars, and they are invisible here. Household goods, jewelry and art are mostly left out too.
Use realistic values: what the house would sell for today, not what you hope it will be worth, and the current balance on each loan.
What wealth is made of at each level
The make-up of wealth changes as you move up the distribution, and it explains a great deal about how different households live. From the same survey, share of total assets:
- Bottom half of households: the home is about 64% of everything they own, and vehicles another 14%. Debt equals about 59% of their assets, so a fall in house prices can wipe out their net worth.
- The 50th to 90th percentile: the home is still the biggest single asset (about 46%), but retirement accounts have grown to about 21%. This is the classic middle-class balance sheet: a paid-down house and a 401(k).
- The 90th to 99th percentile: retirement accounts are now the largest piece (about 25%), with stocks and funds (about 19%) and the home (about 19%) close behind. Business ownership starts to show up, at about 14%.
- The top 1%: a business is the largest single asset, about 37%, and stocks and funds another 27%. The home falls to about 7%. Debt is almost irrelevant, about 1% of assets.
That is the pattern this site’s Wealth Levels piece describes from the other direction: the first million is usually a house and a career, and the tens of millions are usually equity in a business. Paths to Millions covers how people actually get from one to the other.
What the survey leaves out
The Survey of Consumer Finances is the best source there is on American household wealth, and it is also honest about its limits:
- It excludes the Forbes 400 by design. The richest 400 Americans are left out, so the survey says nothing about billionaires. For that end of the distribution, see our Forbes 400 data.
- The very top is estimated, not counted. About 4,400 families were interviewed. The Fed deliberately oversamples wealthy households, so the top is far better covered than in an ordinary survey, but estimates there still carry wide margins of error, and the richest of all are excluded. Treat the top 0.1% threshold as approximate. The calculator stops at “more than 99.9%”.
- It is a snapshot from 2025. Interviews were conducted during 2025, so the figures do not reflect market moves since then. The survey is repeated every three years; the next one, for 2028, should be published in late 2029.
What people get wrong
- “A millionaire is rich.” At $1 million you are in roughly the top 21% of households. For many people over 60 that is mostly a paid-off home and a retirement account that has to last 25 years. It is comfortable; it is not the yacht.
- “I’m behind because I’m below the average for my age.” The average is the wrong yardstick. Compare with the median, or with the percentile the calculator gives you.
- “The top 1% are billionaires.” The top 1% of households starts around $16.5 million. That is about 1.3 million households, the great majority of them doctors, lawyers, business owners and executives, not famous names. Billionaires are roughly the top 0.0006%.
Frequently asked questions
What net worth puts you in the top 1% in the US?
About $16.46 million in household net worth, according to our calculation from the Federal Reserve's 2025 Survey of Consumer Finances. The top 10% starts at about $2.55 million and the top 5% at about $4.91 million.
What is the median net worth of a US household?
$215,900 in 2025. Half of the roughly 135 million US households have more and half have less. The average (mean) is about $1.23 million, far higher, because a small number of very wealthy households pull it up.
How many US households are millionaires?
About 21.5% of US households, roughly 29 million, had a net worth of $1 million or more in 2025. Most of them are older households whose wealth is a paid-off home and retirement accounts.
Does net worth include my home and my 401(k)?
Yes. Net worth is everything you own minus everything you owe. That includes the market value of your home (minus the mortgage), retirement accounts such as 401(k)s and IRAs, investments, cash, vehicles and any business you own. It does not include the value of future Social Security or pension payments that you cannot cash out.
Is this calculator for a household or for one person?
A household. The Federal Reserve measures the combined wealth of a family living together: a single person, or a couple and their dependents. If you are married, enter what the two of you own and owe together.
Is what I type stored or sent anywhere?
No. The calculation runs entirely in your browser. Nothing you type is sent to us or saved.
How we calculated this
All figures are our own calculation from the Federal Reserve’s public summary extract of the 2025 Survey of Consumer Finances (file rscfp2025). We use the Fed’s household net worth variable, in 2025 dollars, with the survey’s own weights. The survey stores five versions (“implicates”) of each family’s answers to handle questions people skipped; following the Fed’s practice, we compute every statistic on each implicate and average the five.
Percentiles are weighted. The calculator places your number on a curve of 104 percentile points per age group and interpolates between them, so a result is accurate to well under one percentile point in the middle of the distribution and less precise at the extremes.
Check against the Fed’s own figures: our overall median, $215,900, matches the Fed’s published median exactly. Our medians by age are within about 1.5% of the Fed’s published ones (for example $32,600 against about $33,000 for under-35s, and $411,500 against $411,000 for 55 to 64). Other sites’ numbers will differ slightly, depending on how they handle the implicates and weights.
The asset make-up figures above are shares of total assets within each percentile group, from the same file. This page is information, not financial advice.