How does a household's net worth stack up against others its age? The net worth calculator adds up what you own, subtracts what you owe and compares the result with households headed by someone your age.
Its benchmarks come from the Federal Reserve's 2025 Survey of Consumer Finances, released October 9, 2026. The median household had a net worth of $215,900, and the mean was $1,241,500. For households headed by someone under 35, the median was $33,000.
That youngest group lost ground. After inflation, its median fell from $42,700 in 2022 to $33,000 in 2025, in 2025 dollars. Across all households the median rose 2% and the mean rose 7%. At 75 and over, the median rose from $367,200 to $504,900.
Net worth by age, 2025
| Age of household head | 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 figures are in 2025 dollars, from the Fed's inflation-adjusted historic tables. The 2022 column restates the 2022 survey in 2025 dollars.
A worked example
The calculator opens with a household aged 40. It owns $550,000 in all: $15,000 in cash, $90,000 in retirement accounts, $20,000 in other investments, a $400,000 home and $25,000 in vehicles. It owes $316,000: a $280,000 mortgage, $12,000 in car loans, $20,000 in student loans and $4,000 on credit cards.
Its net worth is $234,000. That is $78,400 more than the $155,600 median for households aged 35 to 44, or 1.5 times what the typical household that age has. It is still well below the $681,900 mean. The home makes up 73% of what the household owns. Its home equity, the value minus the mortgage, is $120,000.
Why the median is the better yardstick
The median is 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. A small number of very wealthy households pull it far up. In 2025 the mean for all households was about 5.8 times the median. In every age group, the mean was at least 3.9 times the median.
The spread shows in the Fed's groups by wealth. Households in the bottom 25% had a median net worth of $1,700. Those in the top 10% had a median of $4,935,200. So falling short of the mean for your age is normal. Most households your age do.
Net worth also climbs with age. Loans get paid down, and savings and home values have longer to grow. That is why the calculator compares you with your own age group rather than with everyone.
What counts, and what the calculator leaves out
The calculator follows the Fed's definitions. Assets include cash, retirement accounts, other investments, your home and vehicles at what they would sell for today, and other property such as a business. Debts include mortgages, car and student loans, credit card balances you carry and other loans. Traditional pensions and future Social Security benefits are left out, as they are in the Fed's figures, because they can't be sold. Net worth can also be negative when you owe more than you own, for example with large student loans and little saved yet.
The survey measures households, not individuals, so a couple should enter both partners' assets and debts. The calculator doesn't give a percentile, because the Fed publishes medians and means by age, not percentile cutoffs. Survey figures are in 2025 dollars, and prices have risen a little since, so treat the comparison as approximate. Nothing you type is stored or sent anywhere.
Where the figures come from
The Federal Reserve runs the Survey of Consumer Finances every three years. These figures are from the 2025 survey, released October 9, 2026, with earlier years restated in 2025 dollars. Ages are those of the survey's reference person, in effect the head of household.
Use it on your own site
The calculator is free to embed on a blog or site with copy-and-paste code, with no ads or tracking. Here is how to embed it.
Source: Federal Reserve Board, Changes in U.S. Family Finances from 2022 to 2025 and Survey of Consumer Finances, released October 9, 2026, figures in 2025 dollars. Figures are educational estimates, not financial advice.