JUSTIN TALKS WEALTH
NET WORTH COMPARISON BY AGE
Where do I stand?
See how your net worth compares with U.S. families in your age group.
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1Your age group
Couples: include what you both own and owe.
Which age should we use?
The survey groups each family by one person's age. In a man-and-woman couple that's the man's age; in a same-sex couple, the older partner's. Living on your own, it's yours. Pick the group that matches, so you're compared the same way the survey counted.
2Your net worth
Everything you own minus everything you owe. It can be zero or below.
Owe more than you own? Tap + to make it −, or type a minus sign.
Add it up for me
Leave out future Social Security and work pensions: the survey doesn't count them either.
Source: Federal Reserve, 2025 Survey of Consumer Finances. How the numbers work
2025 SURVEY COMPARISON
Your net worth $0
Ahead of 50 to 75
out of every 100 families aged 35 to 44
Survey estimate, so it's shown as a range.
The middle family in this group has about $156,000
Use this as context for your own goals. Your income, costs and plans matter too.
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What your number doesn't tell you
In this video, I explain why averages can be misleading, how home equity affects the comparison, and how to put your own number in perspective.
Tapping the picture loads the player from YouTube. Or watch on YouTube
How the numbers work
The survey. Federal Reserve, 2025 Survey of Consumer Finances, in 2025 dollars. Most interviews ran from April to December 2025.
Family. The people who share money in one home. One person living alone counts as a family. Each family is grouped by the age of one "reference person": in a man-and-woman couple that's the man, in a same-sex couple the older partner, and for someone without a partner, that person.
Net worth. Everything a family owns (home, cars, savings, retirement accounts, businesses) minus everything it owes. Future Social Security and work pension payments aren't counted.
The lines. The middle line for each age is from the Fed's public tables. The 10, 25, 75 and 90 lines are our own calculations from the Fed's public survey data, with the Fed's method for its five sets of answers and its 999 weights for margins of error. Each line's margin is shown below.
Why a range. A survey of a few thousand families can't put anyone at one exact spot, so your result is the range between the two lines around your number. If your number falls inside a line's margin of error, you're shown as "about" that line instead. In every age group the lines' margins stay apart, so each range is supported by the data.
Table: net worth at each line, then its 95% margin of error.
- Federal Reserve: Survey of Consumer Finances 2025, public tables (in 2025 dollars)
- Federal Reserve: Changes in U.S. Family Finances from 2022 to 2025 (Federal Reserve Bulletin)
- Federal Reserve: Survey of Consumer Finances 2025, summary extract public data (our own calculations)
- Federal Reserve: Survey of Consumer Finances 2025, replicate weights (margins of error)
- Federal Reserve: Survey of Consumer Finances (home page)
Not financial advice.
JUSTIN TALKS WEALTH