Net worth percentile calculator by age
Enter your age, income, and current net worth to see exactly where you rank among US households your age — built on the Federal Reserve's 2022 Survey of Consumer Finances.
The US median household net worth is $192,900 (Federal Reserve SCF 2022). The top 10% starts at $1.94M and the top 1% at $13.7M. Net worth percentile depends on both age and income — a 35-year-old earning $100K hits median at ~$186K, while a 65-year-old at the same income hits ~$750K. Use the calculator below for your exact percentile.
Your numbers
Used to pick your SCF age bracket (35-44).
Your SCF income tier: $100K – $200K. Use gross household income, not take-home.
Total assets minus total liabilities. Negative values are allowed.
Benchmarks for your peer group
Your ranking
Net worth percentile
among US households 35-44 earning $100K – $200K
vs median
-$86,000
to top 10%
$880,000 needed
How this ranking is calculated: Your age and income are used to find a peer group in the SCF data (e.g., "Under 35 earning $50K–$100K"). If no income tier matches, the age-only group is used. Your net worth is then compared against that group's percentile breakpoints (p10, p25, p50, p75, p90, p95, p99) using piecewise-linear interpolation — if your value falls between two breakpoints, the percentile is linearly interpolated; if above p99, it is extrapolated (capped at 99.9).
Your peer group distribution
Net worth thresholds by percentile for your age × income group
Net worth by age — full reference table
Household net worth thresholds by age bracket, in 2022 USD. Each column is the net worth level you need to be at or above that percentile for your age group.
| Age | 10th | 25th | Median | 75th | Top 10% | Top 5% | Top 1% |
|---|---|---|---|---|---|---|---|
| Under 35 | -$11.0K | $3.9K | $39.0K | $135K | $390K | $710K | $1.71M |
| 35-44 | $1.4K | $22.0K | $136K | $436K | $980K | $1.75M | $4.20M |
| 45-54 | $6.0K | $47.0K | $247K | $740K | $1.76M | $3.30M | $7.90M |
| 55-64 | $10.5K | $67.0K | $365K | $1.05M | $2.60M | $5.40M | $13.3M |
| 65-74 | $18.0K | $95.0K | $410K | $1.30M | $3.20M | $6.80M | $16.7M |
| 75+ | $15.5K | $81.0K | $336K | $1.00M | $2.75M | $5.70M | $13.9M |
Source: Federal Reserve SCF 2022. See Methodology below for details.
How to use this calculator
Age — Enter your current age. This maps you to one of six SCF age brackets (under-35, 35–44, 45–54, 55–64, 65–74, 75+). Net worth varies dramatically by age — a 30-year-old with $200K is in a very different percentile than a 60-year-old with the same amount.
Annual household income (pre-tax) — Your total gross household income. This enables the age × income cross-tabulation, giving you a percentile among peers with similar earnings. Two 35-year-olds can sit at very different net worth percentiles depending on their income.
Net worth — Total assets minus total liabilities. Include home equity, retirement accounts (401k, IRA), brokerage, savings, vehicles, and other assets. Subtract all debts: mortgage, student loans, credit cards, car loans. A negative net worth is common for young households with student debt.
Real-world examples
Recent grad, 27, building from zero
Age 27, income $55K, net worth $8K (mostly emergency fund). This lands around the 30th percentile for under-35 households — below median but completely normal for someone a few years out of school. The priority now: increase savings rate and start investing. Even $200/month into a Roth IRA compounds significantly over decades.
Mid-career professional, 42, above average
Age 42, income $130K, net worth $450K (home equity + 401k + brokerage). This sits around the 75th percentile for the 35–44 age group at that income tier — solidly above average. To reach the top 10% (~$1.1M), they'd need roughly 8–10 more years of aggressive saving and compounding.
Near-retiree, 62, assessing readiness
Age 62, income $90K, net worth $1.2M (paid-off home + retirement accounts). This is around the 80th percentile for 55–64 year-olds — well-positioned for retirement. At a 4% withdrawal rate, $1.2M supports $48K/year in spending, plus Social Security benefits starting at 62–70.
Formulas & methodology
Net worth definition
Assets include: home equity, retirement accounts (401k, IRA, pension), brokerage investments, savings, vehicles, and other real estate. Liabilities include: mortgage balance, student loans, credit card debt, auto loans, and personal loans.
Percentile interpolation
Your net worth is compared against SCF breakpoints (p10, p25, p50, p75, p90, p95, p99) for your age group. If your value falls between two breakpoints, the percentile is linearly interpolated. Values above p99 are extrapolated, capped at 99.9.
Key assumptions
- Data is from the Federal Reserve SCF 2022 (released October 2023). Figures are nominal 2022 USD.
- Age × income conditioning uses SCF microdata with small cell sizes — results are directional guidance, not precise rankings.
- Net worth includes home equity. For investment-only net worth, subtract your home's value and mortgage.
- The next SCF covering 2025 data is expected late 2026. Asset prices have risen since 2022, so upper-tail thresholds are likely modestly higher in reality.
Methodology
Percentile figures come from the Federal Reserve Survey of Consumer Finances (SCF) 2022, released October 2023 — the most recent comprehensive US household balance sheet survey. SCF oversamples high-wealth households to produce reliable estimates in the upper tails.
Median (50th percentile): Taken directly from the official SCF 2022 Historic Tables (Historic Tables > Excel, Internal Data, Nominal > Table 4: "Family net worth, by selected characteristics of families", 2022 Median column).
Other percentiles (10th, 25th, 75th, 90th, 95th, 99th): The Fed does not publish these breakpoints. They are derived from the SCF 2022 Public Use Microdata File (same page > "Full Public Data Set", 4,595 families × 5 implicates). Calculation: filter by age group → compute weighted percentile per implicate using sampling weights (WGT) → average across 5 implicates.
Age × Income conditioning: The calculator optionally conditions on household income tier for a more precise peer-group comparison. No official Fed cross-tabulation exists — these estimates are derived from SCF microdata by third parties; cell sample sizes are small, so results are directional guidance only.
Your age is mapped to one of six SCF age brackets (under-35, 35–44, 45–54, 55–64, 65–74, 75+), and your net worth is piecewise-linearly interpolated between published breakpoints (p25, p50, p75, p90, p99). The interactive calculator additionally conditions on household income tier for a more precise peer-group comparison.
Figures are nominal 2022 USD. The next SCF covering 2025 data is expected late 2026.