Wealth percentile calculator
Find out how your household really compares - against people your age, not a national average. Nobody discusses this at dinner, so almost everyone is guessing where they sit.
Updated for the 2026/27 tax year · reviewed
Your household
Your household holds £220,000. That is
Bottom 41%
of your age group in Great Britain - that is, 41% of 35 to 44 year olds live in a household with less than you, and 59% live in one with more.
Your total
£220,000
pensions, property, savings, possessions
Decile, ages 35 to 44
5 of 10
1 = least wealthy tenth
All ages, not just yours
Bottom 37%
same wealth, whole population
Typical UK household
£377,199
median, in July 2026 money
Where your age group actually sits
Age matters more than any other single factor here. The same £220,000 is an ordinary result at 60 and an exceptional one at 30, which is why a single national average tells you almost nothing.
- £0 - £26k10%
- £26k - £109k17%
- £109k - £257k17%
- £257k - £385k14%
- £385k - £642k18%
- £642k - £1.3m18%
- £1.3m+6%
Share of 35 to 44 year olds in Great Britain living in a household in each wealth band. Your band is highlighted.
The pension number nobody quotes correctly
Almost every "average pension pot by age" article quotes the median for people who HAVE a pension, then presents it as what a typical person of that age has. Those are two very different numbers, because 25% of 35 to 44 year olds have no private pension at all. Both are below, in July 2026 money.
Your pensions
£60,000
age 40
Median, everyone
£24,402
all 35 to 44 year olds
Median, pension holders
£50,730
the 75% who have one
Your pot is 2.5x the median for everyone your age, and 1.2x the median among those who have a pension at all.
Where these figures come from
The distribution is the ONS Wealth and Assets Survey, April 2020 to March 2022 - the most recent round published. Because those pounds are April 2020 to March 2022 pounds, every figure on this page has been restated in July 2026 money using ONS CPIH, which is why the numbers here are around 28% higher than the ones you will read elsewhere.
That restatement is a purchasing-power comparison, not a forecast of today's distribution: it says what the April 2020 to March 2022 picture is worth in July 2026 money, not what every household holds right now. House prices and markets have moved differently from consumer prices since, so treat your position as a good estimate rather than a measurement.
You know where you rank. That still isn't whether you'll be fine.
A percentile compares you to a country that mostly isn't saving enough, so beating it proves very little. Put your pensions, property and savings into one projection and get the answer that actually matters - whether the money lasts.
Create your free accountHow this calculator works
Your four figures are added into one household total, then compared against the Office for National Statistics Wealth and Assets Survey - the official measure of how wealth is spread across Great Britain. ONS publishes that spread as seven bands (under £20,000, £20,000 to £85,000, and so on up to £1m and above) for each age group. Your total is placed inside whichever band it falls in, and your position within that band is interpolated on a logarithmic scale, because wealth inside a band is heavily bunched towards the bottom and a straight-line estimate would flatter you.
The comparison is made against your own age group, not the whole population, and that is the point. Wealth accumulates over a working life, so a national average silently compares a 28-year-old with a 62-year-old who has had thirty-four more years of mortgage payments and pension contributions. The headline figure answers a fairer question: of people at roughly your stage of life, how many are ahead of you and how many behind. The all-ages figure is shown too, so you can see how much of your standing is simply age.
The most recent survey round covers April 2020 to March 2022, so its pounds are 2020-22 pounds. Almost every article quoting these figures reports them raw, which quietly understates them by about a quarter. Here every published figure is restated in today's money using ONS CPIH, and your own entries are compared on the same basis. That is a purchasing-power comparison rather than a nowcast: it tells you what the 2020-22 distribution is worth today, not what every household holds this morning. House prices, markets and gilt yields have all moved differently from consumer prices since, so the answer is a well-grounded estimate rather than a measurement.
Two limits worth knowing. The age table counts individuals by the wealth of the household they live in, so a 22-year-old living with well-off parents is counted against that household's wealth - which is why the youngest group looks wealthier than young people feel. And above £1m in survey prices the published bands simply stop; positions beyond that are extrapolated from the top two bands using a Pareto tail fitted to them, and the page says so whenever that applies.
Questions people ask
Where does the data come from?
The Office for National Statistics Wealth and Assets Survey, the official measure of how wealth is distributed across Great Britain. The most recent round published covers April 2020 to March 2022. ONS publishes the distribution in seven wealth bands for each age group, and this calculator places your household total inside them - nothing here is modelled or estimated by us except the position within a band, which is interpolated.
Why are your figures higher than the ones I've read elsewhere?
Because almost everyone quotes the survey's pounds without adjusting them. April 2020 to March 2022 money is not today's money, and prices have risen roughly 28% since the middle of that window. Every published figure here is restated in current pounds using ONS CPIH, so you are comparing like with like. It is a purchasing-power restatement, not a forecast of what households hold today.
What should I include in each figure?
Pensions means every private pension the household holds, including old workplace pots and pensions already in payment, but not the State Pension - ONS treats that as a benefit rather than wealth. Property means what your home and any other property are worth minus the mortgages secured on them. Savings and investments means cash, ISAs and investment accounts net of any credit card or loan debt. Possessions means vehicles, contents and valuables, which ONS does count and which most people forget.
Is being above average the same as being on track?
No, and this is the trap the comparison sets. The median UK household is not saving enough to retire comfortably, so beating it tells you where you stand in the queue, not whether you will get where you are going. Use the percentile as context and a retirement projection as the actual test - being in the top third of a group that is collectively behind is still behind.
Last reviewed against 2026/27 UK rules. Projections are estimates for education, not financial advice. Understanding your projections.
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