Net Worth Percentile Calculator
See exactly where you stand compared to other U.S. households your age. Select your exact age — not just a range — and get your percentile to the tenth of a percent.
Methodology & Data Sources
Data Source
Based on the Federal Reserve Survey of Consumer Finances (SCF) 2022, released October 2023. The survey includes 4,602 families with 5 implicates each (22,975 weighted observations).
Inflation Adjustment
Current dollar values are CPI-adjusted using Bureau of Labor Statistics CPI-U data (2022 annual avg: 292.655, March 2026: 330.293, factor: 1.1286). Toggle to view original 2022 values.
Age Interpolation
The SCF groups data into 5-year age brackets. This calculator uses linear interpolation between bracket midpoints to estimate percentiles for exact ages.
Caveats
Net worth is for Primary Economic Units (similar to households). Does not include capitalized value of defined benefit plans. Upper percentiles in younger age groups have limited sample sizes.
Net Worth Benchmarks by Age (2026 Dollars)
Key percentile thresholds from the Federal Reserve SCF 2022, CPI-adjusted to March 2026. All figures are for U.S. households.
| Age | 25th %ile | 50th %ile (Median) | 75th %ile | 90th %ile |
|---|---|---|---|---|
| 25 | $2,854 | $26,594 | $109,361 | $286,051 |
| 30 | $9,031 | $73,413 | $183,866 | $496,286 |
| 35 | $16,058 | $133,189 | $341,126 | $821,954 |
| 40 | $23,252 | $152,079 | $466,775 | $1.2M |
| 45 | $42,189 | $203,200 | $652,096 | $1.5M |
| 50 | $57,106 | $274,749 | $919,915 | $2.4M |
| 55 | $81,293 | $336,070 | $1.2M | $3.0M |
| 60 | $92,334 | $409,448 | $1.3M | $3.3M |
| 65 | $81,746 | $442,370 | $1.3M | $3.4M |
Source: Federal Reserve Survey of Consumer Finances 2022 (SCF), adjusted to 2026 dollars using CPI-U.
Frequently Asked Questions
- What is a net worth percentile?
- A net worth percentile tells you what percentage of households have less wealth than you. Being in the 70th percentile means your net worth is higher than 70% of U.S. households in your age group.
- What is the average (median) net worth in America?
- According to the Federal Reserve's 2022 Survey of Consumer Finances, adjusted to 2026 dollars, the median U.S. household net worth is approximately $200,000. However, median net worth varies dramatically by age—from under $15,000 for households under 25 to over $400,000 for households near retirement.
- Why does this calculator use age-specific percentiles?
- Net worth accumulates over a lifetime through saving, investing, and compound growth. Comparing yourself to all Americans regardless of age isn't meaningful—a 55-year-old has had decades more time to accumulate wealth than a 25-year-old. Age-specific percentiles give you a fair comparison against your peers.
- What counts as net worth?
- Net worth is your total assets minus your total liabilities. Assets include checking and savings accounts, investments, retirement accounts (401k, IRA), home equity, vehicles, and other property. Liabilities include mortgage balances, student loans, credit card debt, and other loans. The SCF does not include the capitalized value of defined benefit (pension) plans.
- Is this data up to date?
- This calculator uses the Federal Reserve's Survey of Consumer Finances (SCF) 2022 — the most recent release available as of 2026. The dollar values are CPI-adjusted to March 2026 using Bureau of Labor Statistics CPI-U data, so the thresholds reflect current purchasing power.
- What is a good net worth at my age?
- There's no single answer, but a common rule of thumb is to have saved 1× your annual salary by age 30, 3× by 40, 6× by 50, and 8–10× by 65. Reaching the 50th percentile for your age group means you're ahead of half your peers. Reaching the 75th percentile puts you solidly above average.