Benchmarks · Net worth · 22–25

Net worth for people aged 22–25 in the U.S.

Total assets minus total debts — bank accounts, investments, retirement accounts and home equity, less mortgages, loans and cards.

Modeled estimate · federal survey data

Median

$12K

Upper quarter

$38K

Top 10%

$82K

Half of people aged 22–25 in the U.S. have a net worth above $12,000. Reaching the upper quarter takes about $38,000, and the top 10% starts at $82,000 — roughly 6.8× the median. The lower quarter sits below $1,000, and the bottom 10% is negative — more owed than owned.

The full distribution

Percentile	Net worth	What it means
Bottom 10%	−$8,000	9 in 10 are above this
Lower quarter	$1,000	25th percentile
Median	$12,000	half above, half below
Upper quarter	$38,000	75th percentile
Top 10%	$82,000	only 1 in 10 is above this
Average (mean)	$15,600	pulled up by the top end — the median is the better "typical"

Where do you stand?

Connect your accounts and Keeping Up shows your exact percentile against people aged 22–25 in the U.S. — plus savings rate, spending by category and net worth over time. Read-only bank access via Plaid; your numbers are never shown to anyone.

See where you stand →Free to start · no card required

Net worth by age

Age	Lower quarter	Median net worth	Upper quarter	Top 10%
22–25	$1,000	$12K	$38K	$82K
26–29 →	$5,000	$32K	$85K	$180K
30–33 →	$15K	$65K	$160K	$340K
34–37 →	$28K	$105K	$260K	$520K
38–41 →	$45K	$160K	$390K	$750K
42–45 →	$65K	$220K	$520K	$980K
46–50 →	$88K	$290K	$650K	$1.2M
50 and over →	$120K	$380K	$820K	$1.6M

Net worth at 22–25 by city

Metro	Lower quarter	Median net worth	Upper quarter	Top 10%
New York City →	$1,276	$16K	$50K	$113K
San Francisco →	$1,414	$17K	$56K	$128K
Los Angeles →	$1,184	$14K	$46K	$103K
Chicago →	$1,092	$13K	$42K	$92K
Boston →	$1,166	$14K	$45K	$100K
Washington, DC →	$1,184	$14K	$46K	$103K
Seattle →	$1,202	$15K	$47K	$105K
Austin →	$1,110	$13K	$43K	$94K

National figures above; metro pages adjust for local incomes and housing costs.

More for people aged 22–25 in the U.S.

Income →Retirement savings →Investments →Savings rate →Monthly spending →

Common questions

What is the median net worth for people aged 22–25 in the U.S.?

The median net worth for people aged 22–25 in the U.S. is $12,000. Half of this group is above that figure and half below.

What net worth puts you in the top 10% of people aged 22–25 in the U.S.?

About $82,000. The 90th percentile is the level only one in ten people in this group exceeds — roughly 6.8× the median.

Where do these numbers come from?

They are modeled percentile distributions fitted to this cohort from federal survey microdata — the Federal Reserve's Survey of Consumer Finances, the BLS Consumer Expenditure Survey, Census ACS and BLS wage data — and they blend toward anonymized, aggregated data from Keeping Up members as each cohort grows. Full methodology at keepingup.com/methodology.

How this is built. Percentiles are modeled for this cohort from federal survey microdata — Federal Reserve Survey of Consumer Finances, BLS Consumer Expenditure Survey, Census American Community Survey and BLS Occupational Employment & Wage Statistics — with metro cost-of-living and wage adjustments. As Keeping Up members in this cohort grow, the band blends toward anonymized, aggregated live data (minimum cohort sizes apply; no individual is ever identifiable). Amounts are in current dollars. Read the full methodology.

Last updated June 2026. Cohort: people aged 22–25 in the U.S.. Model sample basis: 500.