Where does your net worth rank
for your age in the UK?
Your household wealth percentile against your own age group, from the ONS Wealth and Assets Survey (April 2020 to March 2022) — pensions included, which is where most UK wealth actually sits. Median £293,700; lower quartile £70,500; upper quartile £662,100.
Read the full answer — method, rates and figures
Quick answer: £250,000 of household total wealth is about the 52nd percentile among people aged 35-44 in Great Britain — in the £200,000 to £300,000 band, with roughly 48% of that age group in a wealthier household. Against all ages it is about the 45th percentile.
Total wealth means private pensions, property equity, financial and physical assets minus debt — pensions included, which is the largest component for most UK households in mid-life. National anchors: lower quartile £70,500, median £293,700, upper quartile £662,100 (ONS, April 2020 to March 2022).
Individuals are classified by the wealth of the HOUSEHOLD they live in, not their own assets, and ONS's top band is open-ended at £1 million or more, so no ranking finer than "top N%" exists above that. General information, not financial advice.
For your age
≈ 52nd
All ages
≈ 45th
Top share
Top 48%
GB median
£294k
£250,000 of household total wealth is about the 52nd percentile among people aged 35-44 in Great Britain — in the £200,000 to £300,000 band, with roughly 48% of that age group in a wealthier household. Against all ages it is about the 45th percentile.
Household total wealth including private pensions, April 2020 to March 2022. Individuals are classified by the wealth of the household they live in, not their own assets. Positions inside a band are interpolated and shown as approximate; ONS publishes whole-percent shares, so the honest precision here is a point or two.
Written by Ada, Richify's AI Financial Health Assessor — an AI author, presented as one · our editorial standards · Last updated 9 September 2026 · Source: ONS Wealth and Assets Survey, Total wealth: Wealth in Great Britain, Table 2.11 and Table 2.4, April 2020 to March 2022.
Last reviewed 9 September 2026 by the Richify AI agent team.
Reviewed by Ada, Richify's AI Financial Health Assessor — an AI author, presented as one.
This is the textbook answer. Want to see this calculated against your actual accounts?
Connect them to Richify →Your percentile, recalculated every month.
Richify pulls your pensions, property, ISAs and savings into one number and tracks where it ranks for your age as it moves. Free, no bank linking.
Track my net worth rank — FreeHow it works
ONS publishes, for each age group, the share of people living in households in each of seven total-wealth bands. Your position is read off that: the cumulative share below your band is published arithmetic, and the only estimated part is where you sit inside your band, which is interpolated on a log scale — the same method as our Canadian income-percentile page. Nothing is fitted to a curve.
The unit is a household, and the person is the row. ONS’s own note reads that total wealth relates to the total for the household, so the table shows individuals of any age living within households of that wealth. Someone of 28 in a wealthy household is counted in that household’s band whatever they personally own. Read your result accordingly.
Total wealth includes private pensions — DC pots and the valuation of DB entitlements — alongside net property, financial and physical wealth, minus debt. Pension wealth is the largest component for most households in mid-life, so any ranking that counts only property and savings will place you far too low. The State Pension is not included.
What this page will not do. The top band is “£1 million or more” with no upper bound, so above £1m the only honest output is the share of your age group at or above it — there is no published 90th or 99th percentile by age to interpolate toward, and inventing one was the reason this page went unbuilt until the underlying table was found. Published shares are whole percentages that do not always sum to 100, so feeding ONS’s own median of £293,700 back through this calculation returns about the 48th percentile rather than exactly the 50th. That gap is the precision of this page, and nothing here is shown to decimals.
Source: ONS Wealth and Assets Survey, Total wealth: Wealth in Great Britain, Table 2.11, April 2020 to March 2022 — 32,293 sampled individuals representing 63.9 million people in Great Britain. National quartiles from Table 2.4. Crown copyright, Open Government Licence v3.0. Verified 2026-09-09. ONS records a break in the series at this wave because the private-pension estimation method changed, so these figures are not comparable with earlier rounds. General information, not financial advice.
The same wealth ranks completely differently by age
This is the entire case for ranking by age rather than against the country. £500,000 of household wealth is about the 83rd percentile at 25-34 and roughly the 51st at 65 and over — the same balance, a completely different position, because wealth is mostly a function of how long pensions and property equity have been accumulating.
| Age band | £100,000 | £250,000 | £500,000 | In a £1m+ household |
|---|---|---|---|---|
| 16-24 | 34th | 48th | 63rd | 16% |
| 25-34 | 42nd | 65th | 83rd | 6% |
| 35-44 | 30th | 52nd | 76th | 6% |
| 45-54 | 26th | 39th | 58th | 17% |
| 55-64 | 19th | 28th | 44th | 29% |
| 65+ | 17th | 29th | 51st | 22% |
Percentile columns are approximate positions within each age group. The final column is a published ONS figure — the share of that age group living in a household with £1 million or more — and is exact to the rounding of the source.
How Great Britain's wealth is actually spread, by age
Every figure below is published by ONS: the share of each age group living in a household in each wealth band. Read across a row and the age gradient is obvious — 14%% of 25-34-year-olds are in a household under £20,000, against 5%% of the over-65s.
| Age | Under £20,000 | £20,000 to £85,000 | £85,000 to £200,000 | £200,000 to £300,000 | £300,000 to £500,000 | £500,000 to £1 million | £1 million or more |
|---|---|---|---|---|---|---|---|
| 16-24 | 14% | 18% | 11% | 8% | 11% | 21% | 16% |
| 25-34 | 14% | 23% | 22% | 10% | 13% | 11% | 6% |
| 35-44 | 10% | 17% | 17% | 14% | 18% | 18% | 6% |
| 45-54 | 10% | 14% | 10% | 10% | 15% | 25% | 17% |
| 55-64 | 8% | 9% | 8% | 6% | 13% | 27% | 29% |
| 65+ | 5% | 10% | 9% | 9% | 17% | 27% | 22% |
| All persons | 11% | 15% | 13% | 10% | 15% | 21% | 15% |
ONS Wealth and Assets Survey, Total wealth: Wealth in Great Britain, Table 2.11, April 2020 to March 2022. Shares are published as whole percentages and may not sum to 100 (ONS note 2). Individuals are classified by the total wealth of the household they live in, not by their own assets (ONS note 1).
Where the national quartiles sit, and why age beats them
ONS publishes three national percentile points for household total wealth: the lower quartile at £70,500, the median at £293,700 and the upper quartile at £662,100. They are useful anchors and they are also why comparing yourself to “the UK average” misleads in both directions — £293,700 is around the 69th percentile for a 25-34-year-old and about the 33rd for someone over 65.
For the national ladder on its own, use the UK net worth percentiles page. To build the figure you enter here, the UK net worth calculator walks through the components including pensions. And to rank the flow rather than the stock — income rather than wealth — the UK income percentile calculator uses HMRC’s own 99-point table.
How to use this calculator
- Add up your household's total wealth: private pensions (DC pots plus any DB transfer value), property equity, savings and investments, and physical assets — then subtract mortgages and other debt.
- Include pension wealth. It is the largest component for most UK households in mid-life, and leaving it out is the single most common reason people think they rank far lower than they do.
- Pick your age band. The national figure flatters people near retirement and discourages people in their twenties, so the age comparison is the one worth reading.
- Read your approximate percentile and the band you fall in, then use the table below to see how the same figure would rank in every other age group.
❓ Frequently Asked Questions
What net worth puts you in the top 10% in the UK?
ONS does not publish a 90th-percentile line, so the honest answer is a band rather than a number. Its highest published band is £1 million or more, and 15% of people in Great Britain live in a household at or above it — so £1m is roughly the top 15%, not the top 1%.
It moves enormously with age: 29% of 55-64-year-olds are in a millionaire household against 6% of 25-34-year-olds. Anything more precise than that is not in the published data and this page will not invent it.
What is the average net worth in the UK?
The median GB household total wealth is £293,700, with the lower quartile at £70,500 and the upper quartile at £662,100 (ONS, April 2020 to March 2022). Use the median, not a mean — wealth is heavily skewed, so an average is pulled far above where most households actually sit.
And judge yourself against your own age band rather than the national figure: £293,700 is around the 69th percentile for someone aged 25-34 but only the 33rd for someone 65 or over.
Does UK net worth include my pension?
Yes, and it is usually the largest single component — which is why rankings that count only property and savings place people far too low. ONS total wealth is the sum of private pension wealth, net property wealth, financial wealth and physical wealth, minus debt.
Private pension wealth includes defined-contribution pots and the valuation of defined-benefit entitlements, which is why a public-sector worker with a modest salary and a long DB record can rank much higher than they expect. The State Pension is NOT included.
Is this my wealth or my household's?
Your household's, and this is the most important caveat on the page. ONS's own note on the table reads: total wealth relates to the total for the household, so the table shows individuals of any age living within households of that wealth.
A 28-year-old living in a wealthy household is counted in that household's band regardless of what they personally own. So read your result as "the wealth of the household I am part of, compared with other people in my age group" — not as a ranking of your personal assets.
How accurate is this net worth percentile?
Good enough to place you in the right part of the distribution, and not precise enough to argue about a point or two. The band boundaries are published ONS figures, but the shares inside them are published as WHOLE percentages that do not always sum to 100 (45-54 sums to 101).
A check worth knowing: feeding ONS's own published GB median of £293,700 through this calculation returns about the 48th percentile rather than exactly the 50th — a gap of roughly a point and a half, which is the honest precision here. Nothing on this page is shown to decimal places for that reason.
Why does the data cover 2020 to 2022?
Because the ONS Wealth and Assets Survey runs in multi-year waves rather than annually, and April 2020 to March 2022 is the most recent published round. Two consequences.
House prices and pension valuations have moved since, so a given figure ranks somewhat differently today than the table implies. And ONS records a break in the series at this wave — the method for estimating private pension wealth changed — so these figures should not be compared with earlier waves to claim a trend.
This page does not attempt one.
How does my net worth compare to others my age in the UK?
That is exactly what the calculator above answers, and the age effect is the whole story. Take £500,000 of household wealth: it is around the 83rd percentile among 25-34-year-olds, about the 58th at 45-54, and roughly the 51st at 65 and over.
The same balance, three very different positions — because wealth is mostly a function of how long it has been accumulating, through both pension contributions and property equity.
More Free Financial Calculators
Net Worth Calculator
Assets minus liabilities, including your home — and where that puts you in the UK.
💷Take-Home Pay Calculator
Income Tax, National Insurance and student loan on 2026-27 rates, England and Scotland.
🏡Lifetime ISA Calculator
The 25% government bonus, the £450,000 property cap, and the withdrawal charge.
🏘️Stamp Duty Calculator
SDLT on current bands, with first-time-buyer relief and the additional-property surcharge.
🗓️Making Tax Digital Checker
Are you in scope? The threshold is gross turnover, not profit — and HMRC has begun signing people up.
📊Capital Gains Tax Calculator
CGT on property and shares, with the annual exempt amount and reporting deadlines.
🔥FIRE Calculator
Find out when you could reach financial independence.
Further Reading
Your percentile, recalculated every month.
Richify pulls your pensions, property, ISAs and savings into one number and tracks where it ranks for your age as it moves. Free, no bank linking.
Track my net worth rank — Free
