Net Worth Percentile Calculator
See where you rank — by age and across the US.
This net worth percentile calculator shows exactly where you stand against other US households in your age group, using the Federal Reserve’s 2022 Survey of Consumer Finances — the most authoritative wealth dataset publicly available. Enter your age and a single number for your net worth, and you’ll see which percentile you fall into, how far you are from the median, and what it would take to cross the top-10% threshold.
“Net worth” means everything you own minus everything you owe — cash, retirement accounts, taxable investments, home equity (your home’s current value minus the outstanding mortgage), vehicles, and business interests, minus mortgage, student loans, auto loans, and credit card debt. The percentiles are broken out by age cohort because wealth builds across a career; comparing a 32-year-old to a 62-year-old isn’t the right reference frame.
One honest caveat: the SCF is a survey, and the top end of any wealth survey is noisy. Treat the 95th and 99th percentile numbers as approximate — the very richest households are hard to sample. Everything below the 90th is highly reliable.
Enter your age and net worth above to see your percentile.
Frequently asked
What counts as net worth?
Net worth is the total value of everything you own — cash, retirement accounts, taxable investments, real estate, vehicles, the cash value of any business interests — minus everything you owe: mortgage, student loans, auto loans, credit card debt. The Federal Reserve uses this same definition in the Survey of Consumer Finances, which is the source for the percentile data on this page.
What’s the average net worth in America?
The mean US household net worth is roughly $1.06 million, while the median is about $192,700. The huge gap between them is because a small number of very wealthy households pull the average way up. The median is usually the more useful number for asking “where do I stand?” because half of households are above it and half below.
What net worth is considered rich in the US?
There’s no official definition, but commonly cited thresholds are the top 10% (around $1.92M of net worth overall) and the top 1% (around $13.7M). About 18% of US households are millionaires by net worth — “millionaire” is no longer synonymous with “rich” the way it was in 1980.
Why are the numbers different by age?
Net worth builds across a career and peaks in the 60s before drawing down in retirement. A 30-year-old at the 75th percentile of their age group has roughly $257,000 — but a 60-year-old at the 75th percentile has over $1.1M. Comparing yourself to your own age cohort is fairer than comparing to the all-ages median.
Does this include home equity?
Yes. Home equity (the current market value of your primary residence minus the outstanding mortgage balance) is included in net worth in this calculator and in the underlying Federal Reserve data. If you’re house-rich and cash-poor, your number on this page reflects that.
How accurate is this data?
The source is the Federal Reserve’s 2022 Survey of Consumer Finances, conducted every three years on a representative sample of about 6,000 US households. Percentiles between the 10th and 90th are quite reliable. The 95th and 99th have much larger error bars because survey samples are thin at the very top — treat them as approximate. We’ll refresh when the next SCF is released in late 2026.