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.
Net worth by age group
See median net worth, percentile breakpoints, and benchmarks for each age bracket.
Net worth percentiles by age
The dollar amount a household needs to reach each percentile for its age group, from the 2022 SCF. Read across a row to see how wide the gap is: in every age group, the 90th percentile holds several times the median, because wealth is far more concentrated than income.
| Age | 25th | Median | 75th | 90th |
|---|---|---|---|---|
| Under 35 | $5K | $39K | $117K | $340K |
| 35-44 | $20K | $136K | $413K | $1.0M |
| 45-54 | $51K | $247K | $797K | $2.0M |
| 55-64 | $83K | $365K | $1.1M | $2.9M |
| 65-74 | $97K | $410K | $1.2M | $3.0M |
| 75 and older | $92K | $336K | $968K | $2.7M |
Medians are the Federal Reserve’s published figures. The 25th, 75th and 90th percentiles are derived from the same survey’s microdata. See the methodology.
How the ranking works
Enter your household’s net worth and the age of the household head. The calculator places that figure on the SCF distribution for your age group and interpolates between the known percentile points, so a result between the median and the 75th percentile lands proportionally between them.
Age matters because net worth builds over decades. The median household under 35 holds $39K; the median household aged 65-74 holds $410K, more than ten times as much. Comparing yourself with all Americans at once would mostly measure how old you are.
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Net worth by city
Your percentile is the same in every city, but what your net worth buys is not. Each of our 181 city pages restates the national thresholds in local terms, using that city’s typical home value and median family income.
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?
The Federal Reserve 2022 Survey of Consumer Finances (SCF), published October 2023. The SCF runs every three years, surveys over 4,500 households and oversamples wealthy households so the top of the distribution is measured well. The median for each age group is the Fed's own published figure. The Fed does not publish other percentiles by age, so the 25th, 75th, 90th and 99th points come from DQYDJ's analysis of the same SCF microdata, and the 10th and 95th are interpolated between those. The methodology page explains each step.
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 $192,900 across all ages (2022). At age 35-44, the median is $135,600. At 45-54, it's $247,200. By 65-74, it's $409,900. 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.