Net Worth Percentile Calculator
Net Worth Percentile Calculator
See where your net worth ranks by age vs US households.
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Professional Financial Tools
7/29/2026
Total assets minus total liabilities, including home equity and retirement accounts. Not sure? Use the Net Worth Calculator first.
Percentiles shift enormously with age — $250,000 is top-decile at 28 and near median at 55.
This net worth percentile calculator answers a single question: out of every US household, how many have less than you? Enter your net worth and age and it returns your percentile rank both within your own age group and across all American households, using the Federal Reserve's Survey of Consumer Finances.
Age is the variable that matters most, and it's the one most "am I rich?" articles ignore. A net worth of $250,000 puts a 28-year-old comfortably in the top 10% of their age group. The same $250,000 at age 58 sits below the median. A percentile that isn't age-adjusted isn't telling you much.
Already know your assets and debts but not your total? Start with the Net Worth Calculator, then come back here to rank the result.
These are the thresholds the calculator ranks you against. Each cell is the net worth you need to reach that percentile within that age band.
| Age | 25th | 50th (median) | 75th | 90th | 95th | Top 1% |
|---|---|---|---|---|---|---|
| 18–24 | $88 | $10,222 | $33,898 | $184,516 | $421,700 | $653,224 |
| 25–29 | $3,784 | $31,470 | $130,606 | $296,830 | $410,060 | $2,121,910 |
| 30–34 | $11,016 | $88,631 | $186,140 | $538,750 | $796,256 | $2,636,882 |
| 35–39 | $16,548 | $138,588 | $389,432 | $864,340 | $1,482,170 | $4,741,320 |
| 40–44 | $23,812 | $134,382 | $436,892 | $1,182,580 | $1,971,456 | $7,835,420 |
| 45–49 | $47,668 | $213,586 | $680,298 | $1,428,714 | $2,790,132 | $8,701,500 |
| 50–54 | $54,414 | $266,140 | $913,012 | $2,576,540 | $4,419,488 | $13,231,940 |
| 55–59 | $84,977 | $321,074 | $1,137,318 | $2,672,160 | $6,049,934 | $15,371,684 |
| 60–64 | $80,372 | $392,860 | $1,131,122 | $3,042,280 | $6,366,204 | $17,869,960 |
| 65–69 | $68,972 | $393,480 | $1,154,552 | $2,961,060 | $6,865,468 | $22,102,660 |
| 70–74 | $124,757 | $438,700 | $1,234,946 | $2,999,396 | $6,197,642 | $18,761,580 |
| 75–79 | $89,504 | $338,180 | $991,520 | $2,914,188 | $5,844,534 | $19,868,894 |
| 80+ | $95,230 | $327,200 | $944,334 | $2,540,500 | $5,461,280 | $16,229,800 |
Figures are in nominal 2022 survey dollars from the Federal Reserve's Survey of Consumer Finances, the most recent published wave. Age-band breakpoints are computed from the SCF public dataset.
Ignoring age entirely, the aggregate thresholds are: 25th percentile $27,100, median $192,900, 75th percentile $658,900, top 10% $1,940,000, top 5% $3,779,600, and top 1% $13,666,778. Mean household net worth is $1,063,700 — more than five times the median, which is what extreme concentration at the top does to an average.
The Federal Reserve publishes breakpoints at the 25th, 50th, 75th, 90th, 95th, and 99th percentiles for each age band — six points, not a continuous curve. To rank a net worth that falls between two published points, this calculator interpolates in log space rather than linearly.
That choice matters more than it sounds. In the 50–54 band the 25th percentile is $54,414 and the 75th is $913,012 — a seventeen-fold range. Straight-line interpolation would place $200,000 near the 40th percentile when the true answer is closer to the 45th, because wealth is distributed across orders of magnitude rather than evenly. Log interpolation respects that shape.
A net worth of exactly zero is anchored near the 11th percentile, because roughly one in ten US households has zero or negative net worth. Below zero the estimate tapers toward the 1st percentile rather than claiming precision the survey can't support.
Two honest caveats. First, the SCF deliberately excludes the Forbes 400 and has thin sample counts above the 95th percentile, so the top 1% and top 5% figures should be read as approximate floors rather than exact ranks — a point the Federal Reserve makes itself. Second, the survey is triennial and the 2022 wave is the most recent published. Home prices and equity markets have moved since; if your wealth is concentrated in stocks or a house, your true percentile today may differ from the 2022 baseline. The 2025 wave is expected in late 2026.
A percentile is a fact about a distribution, not a verdict on your finances. Some context for reading yours honestly:
One caveat worth stating plainly: financial planners are close to unanimous that peer comparison is a poor primary motivator. It can prompt useful course correction, but it can just as easily push people toward excessive risk-taking to "catch up." The more useful comparison is between your net worth today and what you actually need to fund your own goals — which is what the FI Number and FIRE calculators are for.
Enter your net worth and age above. As reference points across all US households: $27,100 is the 25th percentile, $192,900 is the median, $658,900 is the 75th, $1,940,000 puts you in the top 10%, and $13,666,778 is the top 1%.
About $1,940,000 across all ages. By age band it ranges from roughly $296,830 at 25–29 to $3,042,280 at 60–64. Being top-decile for your own age is a much lower bar when you're young.
Roughly $13,666,778 nationally per the 2022 SCF. Note that estimates at this level carry meaningful error — the survey excludes the Forbes 400 and has limited samples at the very top.
Household. The SCF measures the "primary economic unit" — a single person or couple plus anyone financially interdependent with them. If you're married, enter your combined net worth and use the older spouse's age for the closest comparison.
Yes, both. The SCF counts primary residence value net of mortgage, plus retirement account balances at face value. To stay comparable with the benchmarks, include them.
Because you're being compared to a wealthier peer group. The median net worth of a 30–34 household is $88,631; by 70–74 it's $438,700. A static net worth will slide down the rankings every year unless it grows roughly as fast as your cohort's.
It's the 2022 Survey of Consumer Finances, released October 2023 — the most recent published wave. The Fed runs the survey every three years; the 2025 wave is expected in late 2026.
Yes. The calculation runs entirely in your browser. Nothing is transmitted, stored, or logged, and no sign-up is required.
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