What is the average net worth by age?
The average (mean) US household net worth in 2025 ran from $135,400 for households headed by someone under 35 to $1,962,200 at 75 and over, according to the Federal Reserve's 2025 Survey of Consumer Finances. The median, the typical household, ran from $33,000 to $504,900. Across all ages the median was $215,900 and the mean $1,241,500. These are household figures in 2025 dollars.
| Age | Median | Mean | Median in 2022 |
|---|---|---|---|
| Under 35 | $33,000 | $135,400 | $42,700 |
| 35–44 | $155,600 | $681,900 | $148,400 |
| 45–54 | $253,700 | $1,244,500 | $270,600 |
| 55–64 | $411,900 | $1,878,000 | $398,900 |
| 65–74 | $431,300 | $1,897,500 | $448,600 |
| 75 and over | $504,900 | $1,962,200 | $367,200 |
| All households | $215,900 | $1,241,500 | $211,100 |
The figures are the Federal Reserve's, from the inflation-adjusted historic tables (table 4) published with its summary report on the 2025 survey. The 2022 column is the 2022 survey restated in 2025 dollars. Ages are those of the survey's reference person, in effect the head of household.
What's a good net worth for my age?
A net worth above the median for your age means you have more than at least half of households your age. In 2025 the median was $33,000 under 35, $155,600 at 35 to 44, $253,700 at 45 to 54, $411,900 at 55 to 64, $431,300 at 65 to 74 and $504,900 at 75 and over. Reaching the mean for your age, from $135,400 under 35 to $1,962,200 at 75 and over, puts you ahead of most households your age.
Net worth climbs with age because time does much of the work: mortgages and other loans get paid down, and savings and home values have longer to grow. That is why households under 35 have a median of $33,000 while those at 55 to 64 have $411,900. Comparing yourself with your own age group, as the calculator does, is fairer than comparing with everyone. If retirement is the goal, the retirement calculator checks whether your savings are on track, and the FIRE calculator finds the number that would let you stop working.
Should I compare my net worth with the median or the mean?
The median. It's the middle household: half have more and half have less. The mean adds up every household's net worth and divides by the number of households, so a small number of very wealthy households pull it far up. In 2025 the mean for all households, $1,241,500, was about 5.8 times the $215,900 median.
| Net worth group | Median | Mean |
|---|---|---|
| Bottom 25% | $1,700 | -$4,300 |
| 25th to 50th percentile | $100,900 | $109,100 |
| 50th to 75th percentile | $405,700 | $432,400 |
| 75th to 90th percentile | $1,267,500 | $1,397,500 |
| Top 10% | $4,935,200 | $8,975,200 |
The skew shows at every age: each age group's mean is at least 3.9 times its median. So beating the mean for your age is a high bar, and falling short of it is normal; most households your age do.
How do you calculate net worth?
Add up the value of everything you own, then subtract everything you owe. Assets include cash, retirement accounts, other investments, and your home and vehicles at what they would sell for; debts include your mortgage, car and student loans, credit card balances and any other loans. A household with $550,000 of assets and $316,000 of debts has a net worth of $234,000.
- Assets: cash in checking, savings, money market accounts and CDs; retirement accounts; stocks, bonds and funds; your home and any other real estate; vehicles; a business you own; and the cash value of life insurance.
- Debts: mortgages and home equity loans or lines; car loans; student loans; credit card balances you carry; and personal and other loans.
- Net worth: assets minus debts. It can be negative when you owe more than you own, for example with large student loans and little saved yet.
That is how the Federal Reserve builds net worth in the survey, from its published definitions. Value your home and cars at what they would sell for today, not what you paid. Leave out traditional pensions and future Social Security, which the Fed's figures also leave out, as its researchers explain.
How has net worth changed since 2022?
After inflation, median household net worth rose 2% from 2022 to 2025, to $215,900, and the mean rose 7%, to $1,241,500. The youngest households lost ground: the median for households under 35 fell from $42,700 to $33,000 in 2025 dollars, while the median at 75 and over rose from $367,200 to $504,900.
How the calculator works
- Your net worth is the total of your six asset amounts minus the total of your five debts. Blank amounts count as $0.
- Your age picks your group: under 35, 35 to 44, 45 to 54, 55 to 64, 65 to 74, or 75 and over, the groups the Federal Reserve publishes.
- Above the median means more than at least half of households your age. The calculator doesn't estimate a percentile, because the Fed publishes medians and means by age, not percentile cut-offs.
- Survey figures are in 2025 dollars. Prices have risen a little since, so treat the comparison as approximate. Nothing you type is stored or sent anywhere.