What net worth puts you in the top 1% in the United States?
Where do you stand?
Type your household net worth — assets minus debts, home equity included.
Among American households, about $16,463,300 marked the 99th net worth percentile in the 2025 Fed SCF. The 90th percentile was around $2,550,300. A percentile shows the share of households with less net worth; it is a position in the distribution, not a target.
Latest available data: 2025 (triennial series). Next release expected 2029.
| Percentile | net worth (USD) | ≈ USD |
|---|---|---|
| 90th percentile | $2,550,300 | — |
| 99th percentile | $16,463,300 | — |
Net worth thresholds by percentile, per household, the United States — 2025 Fed SCF.
Top 1%, top 5% and top 10% net worth in the US (2025)
In the 2025 Survey of Consumer Finances the top 10% of US households starts at about $2.55M, the top 5% at about $4.91M and the top 1% at about $16.46M. The top 1% line is 6.5 times the top 10% line and 76 times the median household ($215,900).
| Share of households | Net worth at the line | Households above it |
|---|---|---|
| Top 50% (median) | $215,900 | 1 in 2 |
| Top 10% | $2.55M | 1 in 10 |
| Top 5% | $4.91M | 1 in 20 |
| Top 2% (about) | $10M | 1 in 50 |
| Top 1% | $16.46M | 1 in 100 |
| Top 0.7% | $20M | 1 in 150 |
| Top 0.16% | $50M | 1 in 640 |
Richify calculations from the Fed's SCF 2025 public microdata; the median is the Fed's published figure. The rows above the top 1% rest on few surveyed households, so they are indicative, and this page gives no top 0.1% or top 0.01% line because too few surveyed households sit that high. US net worth percentiles from $250,000 to $50 million has the full ladder, and top 10% net worth has the 90th percentile alone.
Top 1% net worth by age: 40s, 50s, 60s and retirement
The top 1% line depends on the age group a household is compared with. Among households aged 35 to 44 it is about $8.33M; at 45 to 54 about $14.56M; at 55 to 64 about $20.50M; and at 65 to 74 about $20.53M. The top 10% line for the same groups runs from $1.23M to $3.60M.
| Age | Median | Top 10% | Top 5% | Top 1% |
|---|---|---|---|---|
| 35-44 | $155,600 | $1.23M | $2.39M | $8.33M |
| 45-54 | $253,700 | $2.58M | $5.27M | $14.56M |
| 55-64 | $411,900 | $3.41M | $7.49M | $20.50M |
| 65-74 | $431,300 | $3.60M | $7.09M | $20.53M |
| 75+ | $504,900 | $4.14M | $6.90M | $20.37M |
Median and mean by age are Federal Reserve SCF 2025 published figures (2025 dollars). The under-35 sub-bands and all 10th/25th/75th/90th/95th/98th/99th percentile breakpoints are Richify calculations from the Fed's SCF 2025 public microdata — the Fed publishes median and mean by age, not a percentile-by-age table. The top 1% figures are the roughest, because few surveyed households sit that high in each age band. Figures above $1 million are shown to the nearest $10,000. Top 1% net worth by age covers every band from under 35, and average net worth by age has the median and mean for each.
Where $1 million and $5 million rank at each age
Neither figure reaches the top 1% of all US households ($16.46M). Within an age group the position changes: the table shows the share of households in each band holding more than $1 million and more than $5 million.
| Age | $1 million is in the | $5 million is in the |
|---|---|---|
| 35–44 | top ~13% | top ~2% |
| 45–54 | top ~24% | top ~5% |
| 55–64 | top ~32% | top ~7% |
| 65–74 | top ~31% | top ~8% |
| 75+ | top ~34% | top ~8% |
Richify calculations from the SCF 2025 public microdata, rounded. For any other figure and age, the net worth percentile calculator returns the percentile.
Methodology & sources
- Source
- U.S. Federal Reserve — Survey of Consumer Finances (2025)
- What these figures are
- Net worth (assets − liabilities); 90th-percentile threshold (top-10% entry); all households; per PEU; 2025 SCF; 2025 USD. Computed by Richify from the SCF public-use summary extract, averaged across the five implicates.
- Unit
- per household
- Data vintage
- Latest available data: 2025 (triennial series). Next release expected 2029.
- Last reviewed
Cite this page
These figures are free to quote with attribution. Please link to the page rather than reproducing the full table, so readers reach the dated source.
Richify (2026). What net worth puts you in the top 1% in the United States? Data: U.S. Federal Reserve — Survey of Consumer Finances (2025). Retrieved 15 October 2026, from https://www.richify.ai/us/data/top-1-percent-net-worth
- Permanent link
- https://www.richify.ai/us/data/top-1-percent-net-worth
- Link to the table
- https://www.richify.ai/us/data/top-1-percent-net-worth#data
- Figures last checked
Writing about this data and need a figure checked, a breakdown we have not published, or a comment? Email info@richify.ai.
Frequently asked questions
- Is this net worth per person or per household?
- These figures are per household. Per-household figures are not comparable to per-adult estimates from sources like UBS.
- What net worth puts you in the top 1% in the United States?
- About $16,463,300 per household marked the 99th percentile in the 2025 Fed SCF — that is the entry point to the top 1%, not its average. Households inside the top 1% run far above it, which is why "average net worth of the top 1%" figures quoted elsewhere are many times larger than this threshold: a small number of very large fortunes pull that average up. Use the threshold to answer "am I in it", and ignore the average unless you specifically want to know how concentrated the group is internally.
- Where does a $1,000,000 net worth rank in the United States?
- Below the top 10%. The 90th percentile — the entry point to the top 10% — was $2,550,300 in the 2025 Fed SCF, so $1,000,000 sits under it. A seven-figure net worth is a common milestone, but on this data it does not by itself reach the top decile of households.
- What percentile is a $3,000,000 net worth in the United States?
- Between the 90th and the 99th. The 2025 Fed SCF puts the 90th percentile at $2,550,300 and the 99th at $16,463,300, so $3,000,000 is inside the top 10% but well short of the top 1%. The same holds for $5,000,000. We do not publish a precise percentile for an arbitrary figure: between those two thresholds the distribution is steep and uneven, so interpolating would give a false sense of accuracy.
- What does a net worth percentile mean?
- A percentile is the share of households with a lower net worth. The 90th percentile means 90% hold less. It describes where a figure sits in the distribution.
- How current is this data?
- 2025 Fed SCF is the latest available. An updated release is expected 2029.
Educational data only — not financial advice. Figures are sourced and dated above and reflect the latest available release.
