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Net Worth Percentile Calculator by Age

What percentile is your net worth? The average American household net worth is $1,059,457 — but that number is wildly misleading because a small number of ultra-wealthy households pull the average up. The median is just $192,084. Enter your net worth below to see how you compare to all U.S. households and your age group, and find out if you're richer than you think.

All assets minus all debts — home equity, retirement accounts, investments, savings, minus mortgages, loans, and other debt.

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See how you compare to people your age

Compare to your income percentile
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See how your wealth compares to your income ranking

How is net worth calculated?

Net worth is the total value of everything you own minus everything you owe. This includes the market value of your home, retirement accounts (401k, IRA), savings, investments, vehicles, and other assets — minus your mortgage balance, student loans, credit card debt, car loans , and any other debts. It's the single best measure of your financial position because it captures both what you've earned and what you've kept.

Am I rich? What net worth makes you wealthy?

Whether you're "rich" depends on how you define it. By the numbers: to be in the top 10% of U.S. households, you need a net worth of at least $1,920,758. The top 5% starts at $3,779,600, and the top 1% requires $13,666,778 or more. About 18% of American households are millionaires. But context matters — a million dollars in net worth means very different things at age 30 versus age 65, and in San Francisco versus rural Mississippi. Use the income percentile calculator alongside this tool to see the full picture of where you stand.

Net worth percentile thresholds

Percentile Net worth You're richer than...
10th $440 10% of households
25th $27,016 25% of households
50th (median) $192,084 Half of all households
75th $658,340 75% of households
90th $1,920,758 90% of households
95th $3,779,600 95% of households
99th $13,666,778 99% of households

Median net worth by age

Net worth typically grows with age as people accumulate savings, build home equity, and benefit from investment growth. It peaks around ages 65–74, then declines slightly as retirees draw down savings.

Age group Median Average
Under 35 $39,072 $183,376
35-44 $134,820 $548,072
45-54 $245,885 $971,230
55-64 $362,442 $1,564,060
65-74 $411,358 $1,780,696
75+ $333,160 $1,620,103

Why average net worth is misleading

The average U.S. household net worth of $1,059,457 is more than 5× the median of $192,084. This massive gap exists because net worth is extremely right-skewed: a small number of very wealthy households (billionaires, mega-millionaires) pull the average up dramatically. The median — the point where exactly half of households are above and half below — is a much more useful benchmark for where a typical household stands.

How does my net worth compare?

This calculator answers the question "what percentile is my net worth?" using data from the Federal Reserve Survey of Consumer Finances (SCF), the gold standard for U.S. household wealth data. The most recent survey was conducted from February 2022 to April 2023 and covers 4,595 families.

Your percentile tells you what share of American households have less wealth than you. If you're in the 60th percentile, that means 60% of households have a lower net worth. Unlike income — which measures what you earn each year — net worth captures your total accumulated wealth. Someone with a modest income who has saved consistently for 30 years may have a higher net worth percentile than a high earner who spends everything. That's why comparing both your income percentile and net worth percentile gives the most complete picture.

Frequently asked questions

What net worth is considered rich?
To be in the top 10% of U.S. households by net worth, you need at least $1,920,758. The top 5% starts at $3,779,600, and the top 1% requires $13,666,778 or more, according to the 2022 Federal Reserve Survey of Consumer Finances.
What is the median net worth in America?
The median net worth of U.S. households is $192,084, meaning half of all households have more and half have less. The average (mean) is much higher at $1,059,457 because a small number of very wealthy households pull the average up significantly.
Should I include my home equity in net worth?
Yes. Net worth includes all assets minus all debts. Your home's current market value minus your remaining mortgage balance (your home equity) is part of your net worth. The Federal Reserve data this calculator uses also includes home equity.
What is the difference between net worth and income percentile?
Income percentile measures how your annual earnings compare to others. Net worth percentile measures your total accumulated wealth (assets minus debts). Someone with a high income but heavy debt could have a low net worth percentile, while someone with moderate income who has saved and invested for decades could have a high net worth percentile.
Does net worth include retirement accounts?
Yes. Net worth includes the current value of all retirement accounts (401(k), IRA, pension plans, etc.), along with savings accounts, investments, real estate equity, vehicles, and all other assets, minus all outstanding debts.
What is a good net worth for my age?
Median net worth varies significantly by age. Under 35: $39,072. Ages 35–44: $134,820. Ages 45–54: $245,885. Ages 55–64: $362,442. Ages 65–74: $411,358. Use the calculator above with your age group for a personalized comparison.
How often is this data updated?
This calculator uses data from the Federal Reserve's Survey of Consumer Finances (SCF), which is conducted every three years. The most recent survey was conducted in 2022–2023. The next survey will be published around 2026.
What is the top 1% net worth in America?
To be in the top 1% of U.S. households by net worth, you need at least $13,666,778. About 18% of American households are millionaires, and the median household net worth is $192,084.
How do I calculate my net worth?
Add up all your assets — home value, retirement accounts (401k, IRA), bank accounts, investments, vehicles, and other valuables. Then subtract all debts — mortgage balance, student loans, credit card debt, car loans, and other obligations. The result is your net worth. It can be negative if your debts exceed your assets.
Can you have a negative net worth?
Yes. Negative net worth means your debts exceed your assets. This is common for young adults with student loans, recent homebuyers with large mortgages, or anyone carrying significant debt. About 10% of U.S. households under 35 have negative or near-zero net worth.