How does my net worth compare to people my age?
Compare your net worth with the Federal Reserve’s 2022 medians and averages for families your age, in 2026 dollars; it publishes no percentiles by age.
Show medians in
The 2022 figures raised 14.5% for inflation: CPI-U in August 2026 ÷ its 2022 average (Bureau of Labor Statistics).
YOUR NET WORTH · AGE UNDER 35ABOVE THE AVERAGE
9.35× median
At $417,000, your net worth is 9.35 times the $44,600 median for U.S. families under 35 and above their $210,000 average, so you are in the upper half. These are Federal Reserve survey figures for U.S. families, from 2022 and raised to 2026 dollars with the CPI-U, not a target.
Median, your age group
$44,600
Average, your age group
$210,000
Gap to the median
+$372,400
Your net worth
$417,000
Your net worth against families your age
You, against U.S. families under 35$417k
Median $45k
Average $210k
$417,000 is above both the $44,600 median and the $210,000 average for U.S. families under 35; fewer than half of them reach the average. Half of these families have less than the median and half have more; the average is pulled up by a small number of very wealthy families. The median and average are the 2022 survey figures raised to 2026 dollars.
Median and average net worth by age, in 2026 dollars
| Age group | Median | Average | You ÷ median |
|---|---|---|---|
| Under 35 (you) | $44,600 | $210,000 | 9.35× |
| 35–44 | $155,200 | $629,100 | 2.69× |
| 45–54 | $283,000 | $1,116,900 | 1.47× |
| 55–64 | $417,200 | $1,793,500 | 0.99× |
| 65–74 | $469,200 | $2,054,100 | 0.89× |
| 75 or more | $384,100 | $1,859,000 | 1.09× |
Median family net worth runs from $44,600 for families under 35 to a peak of $469,200 at 65–74, then falls to $384,100 at 75 or more. These are the survey’s 2022 medians ($39,000 to $409,900) raised to 2026 dollars. The average is 3.9 to 4.8 times the median in every group. Your group is marked, and the last column divides your net worth by each group’s median.
What moves the needle
Each row re-runs the calculation with one change. Click to apply.How it's computed
FORMULA
net worth = assets − debts
median in 2026 dollars = 2022 median × CPI-U (August 2026) ÷ CPI-U (2022 average)
your ÷ median = net worth ÷ median net worth of your age group
lower half if net worth < median · upper half if ≥ median · above the average if ≥ mean
- The comparison group is U.S. families under 35 in the Federal Reserve’s 2022 Survey of Consumer Finances (published October 2023), raised to 2026 dollars (see the price note below).
- A “family” is the survey’s unit: the economically dominant person or couple plus everyone in the household who is financially interdependent with them. Families are grouped by the age of one adult, the reference person.
- Net worth counts everything you own minus everything you owe, home equity and vehicles included. The Money Map prefill holds only investments, cash and high-interest debt, so edit both boxes to match your whole picture.
- The Federal Reserve’s published tables and charts give the median and the average by age group, not percentiles by age. This page places you against those two marks and does not estimate an exact percentile.
- Prices: each median and average is the survey’s 2022 figure × 1.1446 (CPI-U 334.980 in August 2026 ÷ 292.655 for 2022, Bureau of Labor Statistics), rounded to the nearest $100. The Federal Reserve calls the survey’s dollars “2022 dollars” although about a quarter of the interviews were held in January to April 2023; this page follows that label. The restatement keeps purchasing power on that basis; it does not estimate what families hold today. The results of the Federal Reserve’s next survey, for 2025, are due in late 2026.
- The figures describe what U.S. families had. They are not a target.
WORKED EXAMPLE · SAMPLE NUMBERS
Assets $429,000 − debts $12,000 = net worth $417,000. The survey’s 2022 median for families under 35 is $39,000; × 1.1446 (CPI-U August 2026 ÷ its 2022 average) = $44,600 in 2026 dollars (rounded to the nearest $100), so $417,000 ÷ $44,600 = 9.35. The average, raised the same way, is $210,000. That puts you in the upper half and above the average.
SOURCES
[1]Changes in U.S. Family Finances from 2019 to 2022: Evidence from the Survey of Consumer Finances (Table 2)Aladangady et al., Federal Reserve Bulletin, October 2023[2]Survey of Consumer Finances (SCF)Board of Governors of the Federal Reserve System[3]SCF interactive chart and table, 1989–2022Board of Governors of the Federal Reserve System[4]Federal Reserve Board begins 2025 Survey of Consumer FinancesBoard of Governors of the Federal Reserve System, press release of February 28, 2025 (results due late 2026)[5]Consumer Price Index for All Urban Consumers (CPI-U), U.S. city average, all items, not seasonally adjusted (series CUUR0000SA0)U.S. Bureau of Labor StatisticsHSBuilt by Hussain Sehorewala · checked against worked examples · Sep 29, 2026
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Questions about this result
In the Federal Reserve’s 2022 Survey of Consumer Finances, median family net worth was $39,000 for families under 35, $135,600 at 35–44, $247,200 at 45–54, $364,500 at 55–64, $409,900 at 65–74 and $335,600 at 75 or more. These are 2022 dollars. In 2026 dollars, raised with the CPI-U, they are about $44,600 for families under 35, $155,200 at 35–44, $283,000 at 45–54, $417,200 at 55–64, $469,200 at 65–74 and $384,100 at 75 or more. The median is the middle family: half have less and half have more.
The Federal Reserve’s published tables and charts give the median (the 50th percentile) and the average for each age group, but not the full percentile breakdown by age. So this page can tell you whether you are in the lower or upper half of families your age, and whether you are above their average. It does not estimate an exact percentile such as the 75th, because that needs the survey’s underlying family-level data.
Wealth is very unevenly spread, so a small number of very wealthy families pull the average (the mean) far above what a typical family has. In every age group the average is 3.9 to 4.8 times the median. The median is the middle family, which makes it the fairer comparison; this page shows both.
Everything you own minus everything you owe: your home, retirement and brokerage accounts, cash, vehicles and any business, less your mortgage, student and car loans and card balances. The Federal Reserve defines it as families’ assets minus their liabilities.
The survey measures families: the economically dominant person or couple plus everyone in the household who is financially interdependent with them. If you are single, use your own assets and debts. If you share finances with a partner, add both partners’ assets and debts together. The survey files a couple under the age of its reference person, the man in a mixed-sex couple or the older partner in a same-sex couple.
It is the 2022 survey, published by the Federal Reserve in October 2023, with dollars in 2022 terms. Prices have risen since: the CPI-U averaged 292.655 in 2022 and was 334.980 in August 2026 (Bureau of Labor Statistics), 14.5% higher, so this page raises every median and average by that ratio and rounds to the nearest $100. Switch to 2022 dollars to see the figures as printed. Raising them keeps their purchasing power; it does not estimate what families hold today, because home and stock prices do not move in step with consumer prices. The Federal Reserve says the results of its 2025 survey will be published in late 2026; these figures will be replaced when they are.