Net Worth Percentile Calculator

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 in about the top 13% 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.

What this calculator returns

• Your rank within your age band — thirteen five-year bands from 18–24 through 80+, not the crude "under 35 / 35–44" buckets most tools use
• Your rank against all US households — the all-ages figure, for context
• Your gap to the median for your age, in dollars
• How many households you out-rank, of roughly 135 million
• Your distance to the next rung — the exact dollars to reach the top 25%, 10%, 5%, or 1% for your age

Already know your assets and debts but not your total? Start with the Net Worth Calculator, then come back here to rank the result.

We ran two fixed amounts through the calculator for the middle of every age band. The same dollars move from elite to ordinary as the age column goes down.

$1 million is top 4% at 30–34, but only the 65th percentile at 60–64. Households just before retirement have a median of $527,752, so the same balance ranks far lower there than in your thirties.

The decline isn't a straight line. Medians dip slightly in the 65–79 bands, so $1 million ranks a little higher there (69th, 68th, 68th), then lowest of all at 80+ (64th), where the median is $566,490.

$500,000 is below the median in 60–64 and 80+. A figure that sounds large in isolation is a typical result for those ages, which is why this calculator ranks you against your own age band rather than all households.

Percentiles use the midpoint age of each band and the same SCF 2025 breakpoints and interpolation as the calculator above.

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.

Figures are in 2025 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.

Across all US households

Ignoring age entirely, the aggregate thresholds are: 25th percentile $27,800, median $215,900, 75th percentile $812,500, top 10% $2,550,000, top 5% $4,907,000, and top 1% $16,463,320. Mean household net worth is $1,241,500 — 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 $58,464 and the 75th is $1,035,442 — an eighteen-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.

Where the numbers get soft

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 2025 wave (released October 2026) is the most recent published. Home prices and equity markets keep moving; if your wealth is concentrated in stocks or a house, your true percentile today may differ from the 2025 baseline. The next wave is expected in 2029.

A percentile is a fact about a distribution, not a verdict on your finances. Some context for reading yours honestly:

• Below the 25th percentile Common for anyone under 30, anyone carrying student loans, and anyone in the first few years of a mortgage. In the 18–24 band the 25th percentile is under $100 — the distribution genuinely starts near zero. What predicts your future rank is your savings rate, not your current position.
• Between the 25th and 75th The broad American middle. For most households in this range, home equity is over half of net worth — which means the headline number overstates financial flexibility. Check your liquid net worth separately.
• Top 10% Roughly $2,550,000 across all ages, but the age spread is enormous: about $435,950 at 30–34 versus $4,173,760 at 75–79. Reaching the top 10% young is mostly a savings-rate story; reaching it later is mostly a compounding-and-home-equity story.
• Top 1% About $16,463,320 nationally. Within age bands it climbs from roughly $2,560,000 at 30–34 to over $22,030,640 at 65–69. This is also where survey precision is weakest.

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.

Every number you enter here stays on your device. Nothing is transmitted to a server, stored, or linked to you — the calculation runs entirely in your browser, and no account or sign-up is required.

This calculator is a self-help tool for your own planning. It is not personalized investment, tax, or financial advice, and results should not be treated as a guarantee or a professional recommendation. Federal Reserve figures used here are drawn from the Survey of Consumer Finances, a triennial survey — treat percentile and benchmark comparisons as directional estimates rather than precise rankings, and consider speaking with a qualified financial professional for guidance specific to your situation.