Net Worth Percentile Calculator
See exactly where your net worth ranks for your age group — using Federal Reserve SCF 2022 data. Get your wealth tier, 6-dimension Report Card, and 30-year growth projection.
Assets (what you own)
Checking, savings, HYSA
Brokerage, stocks, ETFs, crypto
401K, IRA, Roth IRA, 403b
Current market value, not purchase price
Car, truck, motorcycle, boat
Business equity, collectibles, RSUs
Enter your numbers to see your percentile
Include 401K, home equity, and investments for the most accurate ranking
What Is Net Worth and Why Does It Matter?
Net worth is the single most comprehensive snapshot of your financial health. It equals the total value of everything you own (assets) minus everything you owe (liabilities). Unlike income — which tells you how much money flows in each month — net worth tells you how much wealth you have actually accumulated. A person earning $200,000 per year but spending $210,000 has a negative net worth. A person earning $60,000 but consistently saving and investing can build substantial wealth over decades.
Assets include: cash and savings accounts, brokerage and investment accounts, retirement accounts (401K, IRA, Roth IRA), home equity (market value minus mortgage balance), vehicle values, business equity, and vested stock options. Liabilities include: mortgage balance, student loans, auto loans, credit card balances, personal loans, and medical debt.
Average Net Worth by Age in 2024 (Federal Reserve Data)
The table below shows median and 75th percentile net worth by age bracket from the Federal Reserve Survey of Consumer Finances 2022. The median is a more useful benchmark than the average — averages are skewed dramatically upward by billionaires in the dataset. The median tells you what the person exactly in the middle looks like.
| Age Group | Median (50th) | 75th Pct | 90th Pct |
|---|---|---|---|
| Under 25 | $8,000 | $28,000 | $68,000 |
| 25–29 | $28,000 | $82,000 | $200,000 |
| 30–34 | $55,000 | $160,000 | $380,000 |
| 35–39 | $100,000 | $275,000 | $600,000 |
| 40–44 | $135,000 | $380,000 | $830,000 |
| 45–49 | $170,000 | $480,000 | $1,100,000 |
| 50–54 | $200,000 | $550,000 | $1,300,000 |
| 55–59 | $250,000 | $700,000 | $1,600,000 |
| 60–64 | $290,000 | $850,000 | $1,900,000 |
| 65+ | $280,000 | $800,000 | $2,000,000 |
Source: Federal Reserve Survey of Consumer Finances, 2022.
What Percentile Is "Good" for Your Age?
"Good" is relative to your goals, but here are meaningful thresholds:
- Top 50% (Median) — You're outpacing half of Americans your age. A solid starting point.
- Top 25% (75th percentile) — You're firmly in the upper quartile. Strong wealth accumulation, likely on track for a comfortable retirement.
- Top 10% (90th percentile) — Elite tier. At this level, compound interest is doing serious heavy lifting. You're on track for early retirement or financial independence.
- Top 1% (99th percentile) — Extraordinary wealth for your age. You've either had significant investment success, inherited wealth, or have been saving aggressively for many years.
For context: reaching the top 25% by age 40 (about $380,000) is a strong indicator of being on track for retirement. Reaching the top 10% by age 50 (about $1.1 million) suggests you'll have sufficient assets for a comfortable retirement without relying primarily on Social Security.
How to Calculate Your Net Worth
Calculating net worth is a four-step process:
- List all assets: Cash (checking, savings, money market), investments (brokerage accounts, individual stocks, ETFs, crypto), retirement accounts (401K current balance, IRA, Roth IRA, 403b, pension cash value), real estate (current market value — not purchase price), vehicles (Kelley Blue Book value), and other assets (business equity, vested RSUs, collectibles).
- List all liabilities: Mortgage remaining balance (not the original loan), student loan balances, auto loan balances, credit card balances, personal loans, medical debt, and any other debt you owe.
- Subtract: Net Worth = Total Assets − Total Liabilities. A negative number simply means you owe more than you own — common for young people with student loans.
- Contextualize by age: This is where most calculators stop. The number only means something relative to your age group and peers. A $55,000 net worth at 22 is excellent; at 52 it needs attention.
What doesn't count as net worth: your salary, expected future inheritance, Social Security benefits you haven't received, or pension income you haven't collected. Net worth is a point-in-time snapshot of assets minus liabilities.
How to Move Up the Wealth Percentile Rankings
Three levers control your net worth trajectory:
- 1. Increase your savings rate: The savings rate is the single most controllable variable. A person saving 20% of a $60,000 income will typically outperform a person saving 5% of a $100,000 income over 10 years. The Rule of 25: multiply your annual expenses by 25 to find your FI number.
- 2. Reduce debt burden: High-interest debt (credit cards at 20%+ APR) is a guaranteed negative return on your balance sheet. Paying off a $10,000 credit card balance is equivalent to earning a 22% return — better than any market investment. Target high-interest debt first (avalanche method).
- 3. Improve investment returns: The difference between a 6% and 8% annual return over 30 years is enormous. Minimizing investment fees (index funds vs. active funds), maximizing tax-advantaged accounts (401K contribution limits in 2024: $23,000; IRA: $7,000), and avoiding emotional selling during downturns are the primary levers here.
The compound interest math is unforgiving in both directions: starting late costs enormously, but each additional dollar saved today has outsized impact. A $500/month increase in savings starting at age 30 vs. age 40, at 7% annual return, produces roughly $400,000 more by age 65.
Frequently Asked Questions
What is the average net worth at age 40?
The median net worth for ages 40–44 is $135,000 according to Federal Reserve SCF 2022 data. The average is higher at ~$630,000 due to skew from ultra-high-net-worth individuals. The 75th percentile for this age group is $380,000, and the 90th percentile is $830,000.
Does net worth include home equity?
Yes. Home equity — the current market value of your home minus your remaining mortgage balance — counts as a net worth asset. If your home is worth $400,000 and you have a $250,000 mortgage, your home equity is $150,000. This is why homeowners often have substantially higher net worth than renters, even with the same income.
What's the difference between net worth and cash flow?
Net worth is a balance sheet snapshot (what you own minus what you owe at a point in time). Cash flow is an income statement metric (money coming in vs. going out each month). You can have strong cash flow but low net worth (spending everything you earn), or high net worth but tight cash flow (asset-rich, cash-poor, common with real estate investors). Both matter — but net worth is the ultimate financial health indicator.
Is $1 million net worth good?
$1 million net worth puts you roughly in the 90th percentile for ages 50–54, the 88th percentile for ages 55–59, and the 87th percentile for 60–64. At age 35, $1 million puts you above the 99th percentile. Context by age matters enormously. This calculator gives you your exact percentile based on your specific age group.
How accurate is this net worth percentile calculator?
The percentile data is sourced from the Federal Reserve Survey of Consumer Finances (SCF) 2022 — the gold standard for US household wealth data, published every 3 years. The calculator uses linear interpolation between the p10, p25, p50, p75, p90, and p99 breakpoints for each age group. Real-world distributions are not perfectly linear, so results are approximations, but they closely match the SCF data.