Net Worth Percentile
Calculator
Enter your net worth and age. See exactly where you rank among Americans your age using Federal Reserve data.
Total assets (home equity, investments, retirement, savings) minus total debts (mortgage, loans, credit cards). Negative values are fine.
Frequently asked questions
What counts as net worth?
Net worth is the total value of everything you own minus everything you owe. Assets include your home equity (market value minus mortgage balance), investment accounts, retirement accounts (401k, IRA), savings, and any other valuables. Debts include your mortgage balance, student loans, auto loans, credit card balances, and other liabilities. Negative net worth is common, especially for people under 35 still paying down student debt.
Where does this data come from?
All percentile data is sourced from the Federal Reserve 2022 Survey of Consumer Finances (SCF), published October 2023. The SCF is the gold standard for US household wealth data, conducted every three years by the Federal Reserve. It surveys over 4,500 households and oversamples high-wealth households for accuracy at the top of the distribution.
What is a good net worth at my age?
There is no universal benchmark, but the Federal Reserve SCF gives context. The median American household net worth is $192,700 across all ages (2022). At age 35-44, the median is $135,000. At 45-54, it's $248,000. By 65-74, it's $410,000. A net worth above the 75th percentile for your age group means you are ahead of three-quarters of Americans your age.
Why does age matter for net worth comparisons?
Net worth compounds over time. A 28-year-old with $50,000 and a 60-year-old with $50,000 are in completely different situations. Comparing yourself to your age group gives a much more meaningful picture than a flat national average, which is skewed heavily by older, higher-wealth households.