About the Net Worth Percentile Calculator
This net worth percentile calculator ranks your household’s net worth — everything you own minus everything you owe — against US families overall and against families whose head is in your age group. It uses the Federal Reserve’s Survey of Consumer Finances (SCF), the most detailed source of household wealth data in the United States.
Use it to see whether you are on track for your age, to set a savings milestone, or simply to answer "how does my net worth compare?". The age comparison matters most: the median family under 35 had about $39,000 in 2022, while families aged 65–74 had about $410,000, so a single national ranking can be misleading.
The latest SCF covers 2022 and figures are in 2022 dollars. Percentile cutoffs were computed from the Fed’s public SCF 2022 summary extract, so the 50th-percentile cutoffs differ from the Fed’s published medians by less than 1%; the median and mean shown in the results are the Fed’s published figures. If you want to compare in like-for-like dollars, enter the cumulative inflation since 2022 and your net worth is converted back to 2022 dollars first.
With the default inputs, the percentile in your age group is 50.4. Change any value above to recalculate instantly.
How to use the net worth percentile calculator
- 1Add up your assets: home value, cash, investments, retirement accounts, vehicles and business equity.
- 2Subtract every debt: mortgage, car loans, student loans and credit cards.
- 3Enter the result and choose the age of the household head.
- 4Optionally enter inflation since 2022 to compare in 2022 dollars.
- 5Read your percentile for your age group and for all families.
Formula and method
From the SCF 2022 public summary extract we computed the weighted net worth at the 1st, 5th, 10th, 15th … 95th and 99th percentiles, overall and for each age group, averaging across the survey’s five multiple-imputation replicates exactly as the Fed recommends. Your net worth (converted to 2022 dollars if you enter an inflation figure) is placed between the two surrounding cutoffs and the percentile is interpolated in a straight line.
Values below the 1st percentile or above the 99th are labelled rather than extrapolated, because wealth at the extremes is extremely spread out. Net worth here means the SCF definition: all assets including home equity, retirement accounts, businesses and vehicles, minus mortgages, student loans, credit cards and other debt.
- NW
- Your household net worth today
- NW₂₀₂₂
- Net worth expressed in 2022 dollars
- v₀, v₁
- Net worth cutoffs just below and above yours
- p₀, p₁
- The percentiles of those cutoffs
Worked examples
$250,000 net worth, age 45–54
In the percentile table for ages 45–54 the 50th percentile is $245,900 and the 55th is $296,600, so $250,000 sits 4,100 ÷ 50,700 of the way between: about the 50.4th percentile, or 1.01 times the Fed’s published $247,200 median. Among all families it lands almost exactly on the overall 55th percentile ($250,400). Ten percentiles higher in the 45–54 group (60.4th) takes about $383,500.
$60,000 net worth, under 35
For families under 35, $60,000 falls between the 55th ($54,900) and 60th ($72,800) percentiles, about the 56.4th. Against all ages it ranks only around the 31.6th percentile, which is why comparing by age matters.
$1.2 million today, age 55–64, removing 15% inflation
$1,200,000 ÷ 1.15 ≈ $1,043,478 in 2022 dollars. For ages 55–64 that falls between the 70th percentile ($884,500) and the 75th ($1,128,900), about the 73.3rd percentile, and around the 82.2nd percentile among all families.
Frequently asked questions
What is the median net worth in the US?+
The Federal Reserve’s 2022 Survey of Consumer Finances put the median family net worth at $192,900 and the mean at $1,063,700. The median is the better guide to a typical family because the mean is pulled up by the very wealthy.
What is a good net worth by age?+
A useful benchmark is the median for your age group. In the 2022 SCF the median was about $39,000 under 35, $135,600 for 35–44, $247,200 for 45–54, $364,500 for 55–64, $409,900 for 65–74 and $335,600 for 75 and older.
What net worth puts you in the top 1%?+
Across all US families, the 99th percentile in the 2022 SCF was roughly $13.7 million by our calculation from the public data. The top 10% started at about $1.9 million.
Should I include my home and retirement accounts?+
Yes. The SCF counts home equity (value minus mortgage), 401(k)s, IRAs, pensions with an account balance, businesses and vehicles as assets. Leaving them out would understate your rank compared with the survey.
Why are the figures from 2022?+
The SCF is conducted every three years and published about a year later. The 2022 survey, released in October 2023, is the most recent available; the next survey covers 2025.
Can net worth be negative?+
Yes. Families with more debt than assets — often young households with student loans — have negative net worth. In the 2022 SCF, close to one in five families under 35 had a negative net worth (the 15th percentile was about −$1,700).
Results are estimates for educational purposes and are not financial advice. Rates, fees and terms vary — confirm with your lender or a licensed advisor before making decisions.