Context
Net worth percentile by age
An educational estimate of where a household net worth sits among U.S. families in the same age group, anchored to 2022 SCF medians.
| Age | Median | Mean |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35–44 | $135,600 | $549,600 |
| 45–54 | $247,200 | $975,800 |
| 55–64 | $364,500 | $1,566,900 |
| 65–74 | $409,900 | $1,794,600 |
| 75+ | $335,600 | $1,624,100 |
Pick an age and a household net worth. The result is a piecewise-linear reading between the breakpoints for that age group. A net worth equal to the published median lands on the 50th percentile by construction. Far above the top breakpoint, the figure approaches 99.9 and then stops, because the sketch is not a model of extreme wealth.
Context from 2022, in 2022 dollars. It is not a score and not a reason to change an investment.
Savings multiples versus net-worth medians
Questions
Are these official SCF percentiles?
The medians and means are the published 2022 Survey of Consumer Finances figures, in 2022 dollars, from the Federal Reserve Bulletin of October 2023. The other breakpoints are a smooth sketch of a skewed distribution so the page can answer 'roughly where.' They are not a Census table and not microdata. Do not cite them as official percentiles.
Should I compare my 401(k) with this?
No. SCF net worth is assets minus debts, including housing. A retirement account is one asset. Compare invested assets with a FIRE number, and use this page only as wide context for total household net worth.