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A net worth of $327,000 is higher than about 69% of households whose head is 35 to 44, and about 59% of all US households, in the Federal Reserve’s 2025 survey.
Your net worth percentile for your age
Your percentile is the share of households with less net worth than yours, using the age of the head of the household. Half of households headed by someone 35 to 44 have less than $156,000; a quarter have more than $467,500, and one in ten more than $1,233,600. The average is much higher than the median because a small number of very wealthy households pull it up.
Net worth by age
| Age | 25th percentile | Median | 75th | 90th | Average |
|---|---|---|---|---|---|
| Under 35 | $3,100 | $32,800 | $145,100 | $351,200 | $135,700 |
| 35 to 44 | $18,000 | $156,000 | $467,500 | $1,233,600 | $669,300 |
| 45 to 54 | $54,700 | $254,700 | $942,000 | $2,557,400 | $1,243,600 |
| 55 to 64 | $71,800 | $411,300 | $1,416,200 | $3,457,600 | $1,871,000 |
| 65 to 74 | $118,100 | $431,900 | $1,312,100 | $3,656,000 | $1,870,900 |
| 75 and over | $144,100 | $504,600 | $1,417,000 | $4,188,300 | $1,949,700 |
More detail, including five-year age bands and the full percentile range, is in average net worth by age. Retirement accounts alone are in retirement savings by age.
What counts in net worth
- Counts as an asset: cash, savings, brokerage and retirement accounts at their full balance, the market value of your home and other property, vehicles, and a business you own.
- Counts as a debt: the mortgage, home equity loans, student loans, car loans, credit card balances and any other money you owe.
- Does not count: your income, future Social Security or a pension you have not started, and things you rent rather than own.
Retirement accounts count before tax. A $100,000 traditional 401(k) is worth less than that once withdrawals are taxed, so some people also track a figure after an estimated tax.
What moves net worth
Net worth rises when you save more than you spend, when your investments and home grow, and when you pay down debt. High-interest debt such as credit cards works against it most directly: every dollar of it subtracts a dollar and keeps costing interest. Over long periods, the share of income saved and invested does most of the work; the savings rate calculator shows how long that takes to reach a target.
Killion keeps this number current for you by linking your accounts read-only and updating daily; see net worth tracking.
Methodology and sources
Net worth is the total of the assets you enter minus the debts. The ranking uses the Federal Reserve’s 2025 Survey of Consumer Finances, released October 9, 2026: we computed the 1st to 99th percentiles of household net worth for each age group from the public data, weighted to represent all US households, and place your figure between them. The survey measures households, so enter your household’s combined assets and debts.
Figures checked on against Federal Reserve, Changes in U.S. Family Finances from 2022 to 2025 (October 2026) (PDF) and Federal Reserve, 2025 Survey of Consumer Finances, public data.
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