Net Worth Percentile by Age Calculator

Compare net worth with U.S. SCF families / primary economic units by the reference person’s age. See an estimated weighted percentile and gaps from the median and 90th percentile.

Linear interpolation between weighted quantile thresholds

P(x)≈ p₍L₎+((x-x₍L₎) / (x₍U₎-x₍L₎))(p₍U₎-p₍L₎)

First calculate weighted thresholds at percentiles 1, 5, 10, 20, 25, 35, 50, 65, 75, 85, 90, 95, 98 and 99. Interpolate between adjacent dollar thresholds. Values outside the stored range display bounds (≤1 or ≥99), not extrapolated ranks. The weighted distributions come from complex surveys. Sample counts are descriptive, not confidence intervals; no uncertainty interval is calculated.

SymbolVariableDescription
xInput amountnet worth
x_L, x_UAdjacent dollar thresholdsWeighted quantiles from the stated survey version.
p_L, p_UThreshold percentilesAn interpolation approximation, not an exact empirical CDF or an agency-published rank.

Input scope and steps

  1. 1

    Choose the comparison unit

    Wealth comparisons concern the whole SCF economic unit, not one person; age belongs to its reference person.

  2. 2

    Enter a consistent amount

    Assets minus debts. Count a home’s full value and subtract the mortgage, or count home equity; never use equity and subtract the same mortgage again. Negative net worth is allowed.

  3. 3

    Interpret the estimate and gaps

    Percentiles depend on cohort, year, weights and interpolation; they do not measure financial security or predict future income.

Benchmark thresholds (USD)

This table and the calculator use the same locally derived data, rounded to whole dollars. Sample counts are unweighted public-file records, not U.S. population totals; SCF counts refer to families/economic units after combining implicates.

GroupUnweighted sample unitsP25P50P75P90P99
Under 35628$3,100$32,820$145,090$351,200$1,591,230
Age 35-44779$18,000$156,000$467,520$1,233,620$8,346,100
Age 45-54832$54,730$254,670$941,970$2,557,390$14,050,600
Age 55-64841$71,790$411,340$1,416,200$3,457,640$20,072,200
Age 65-74776$118,105$431,900$1,312,100$3,656,000$20,499,000
75 and older504$144,060$504,600$1,417,000$4,188,260$20,337,060

A reproducible median example

Choose Under 35 and enter $32,820: the estimate is the 50th percentile. The gap to the 90th-percentile threshold of $351,200 is $318,380.

Data version and calculation method

Federal Reserve Board — 2025 Survey of Consumer Finances, public summary extract. Uses NETWORTH and WGT, pooling all five implicates with each weight divided by five; AGE is the reference person’s age.

  • Values are in 2025 dollars, not a live 2026 wealth snapshot.
  • Sort values and accumulate survey weights; select the first value reaching the target probability. Five implicates are not five times as many families.
  • These are site-derived public-use microdata estimates. Confidentiality treatment, cohorts and quantile algorithms can produce differences from agency summary tables.
  • Updated October 27, 2026. Sampling confidence intervals have not been estimated; extreme-tail thresholds need particular caution.

What this comparison cannot tell you

National ranks do not adjust for family size, living costs, liquidity, pension entitlements or local prices. Age groups compare different families at one time, not one family’s lifetime wealth path.

References and model notes

Questions about the comparison

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