Saving and cash · Calculator

Net worth percentile
by age.

Where do you stand? Enter your age and net worth to see where you fall in the US distribution, with honest context about what the numbers mean and do not mean. Medians from the Federal Reserve's 2022 Survey of Consumer Finances; the other percentile points are rough site estimates.

The question it answersHow does my net worth compare to other people my age?

Rules: United States. Privacy: runs in your browser. What you enter stays on your device unless you copy a share link, which puts your inputs in the link.

Don't know your net worth? Use Net Worth Milestones to calculate first.

RESULT
DISTRIBUTION FOR YOUR AGE GROUP
Important context

Median net worth is dramatically lower than mean net worth because a small number of very wealthy households pull the average up. Median is a better benchmark. Net worth percentile is not a measure of financial health. A doctor 3 years out of training with $300,000 in student debt and $50,000 saved may be in a low percentile today but on an excellent trajectory. Context matters more than ranking. ×DON'T TRUST, VERIFYClaim: Median net worth by age comes from the Federal Reserve Survey of Consumer Finances (SCF), 2022 wave, the most recent.Verify at: Fed SCF ↗ Source 1 in the list belowSCF published every 3 years. The Fed report publishes medians and means by age, not other percentiles, so the 10th, 25th, 75th, 90th and 95th percentile values here are rough site estimates, not published figures. To be updated when 2025 data releases.

What this tool assumes
  • Medians by age are the Federal Reserve's 2022 Survey of Consumer Finances values, in 2022 dollars (2022 is the latest published wave).
  • The 10th, 25th, 75th, 90th and 95th percentile values by age are rough site estimates, not published figures: the Fed report does not publish them by age.
  • The survey counts families (a household's primary economic unit), not individuals. Enter your family's combined net worth.
  • Below the 10th-percentile value, or at or above the 95th, the tool reports "below the 10th" or "95th or higher" and does not rank further.
  • The 10-year trajectory assumes a 7% real return on the whole net worth (including a negative one, which then grows more negative) and ranks against the same 2022 table.
  • Age must be 18 to 100 and net worth must be filled in; otherwise the tool asks for a valid entry instead of substituting a value. A blank annual savings field counts as $0, and savings below $0 is rejected.

Not financial advice. Medians from the 2022 SCF; other percentile points are rough site estimates.

HOW THIS IS CALCULATED

This tool runs entirely in your browser: no data is sent to any server.

  • Age picks one of six bands (under 35, 35 to 44, 45 to 54, 55 to 64, 65 to 74, 75 and over), each holding net worth at the 10th, 25th, 50th, 75th, 90th and 95th percentiles.
  • Between two stored points the percentile is interpolated in a straight line and rounded, capped at 94 while net worth is still under the 95th-percentile value. Below the 10th-percentile value the result is "below the 10th percentile"; at or above the 95th-percentile value it is "95th or higher". The tool does not extrapolate past the table.
  • Inputs: age must be 18 to 100 and net worth is required (it can be negative); out-of-range or blank entries show a prompt instead of a result. Blank annual savings counts as $0; savings below $0 is rejected with a message.
  • 10-year trajectory, shown when annual savings is above $0: net worth × 1.0710 (so a negative net worth grows more negative) + each year's savings added at year end and grown at 7%, ranked against the table at your age + 10.

The medians follow the Federal Reserve's 2022 Survey of Consumer Finances, in 2022 dollars: $39,000 under 35, $135,600 at 35 to 44, $247,200 at 45 to 54, $364,500 at 55 to 64, $409,900 at 65 to 74 and $335,600 at 75 and over[2], and the tool uses those exact values. 2022 is still the latest published wave[1]. The other percentile points are rough site estimates, not published figures: the Fed report does not publish them by age. The survey counts families, not individuals. The 7% rate is labeled a real return; the S&P 500 with dividends returned about 6.8% a year after inflation from 1928 through 2025[3][4]. The projection ranks against the 2022 table, so wealth growth across the population is not modeled. Verify the methodology or inspect the source code in your browser's dev tools.

Where to go from here

Read next

Net Worth Milestones

Priorities shift as net worth grows: what matters at $5,000 isn't what matters at $500,000.

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Sources

Bracketed numbers and verify badges in the text link to these sources. Figures, rates and rules change: check each source’s date before acting on it.

  1. Federal Reserve Board, Survey of Consumer Finances (SCF). Checked 2026-09-26. ↩
  2. Federal Reserve Board, Changes in U.S. Family Finances from 2019 to 2022: Evidence from the Survey of Consumer Finances (October 2023), Table 2. Checked 2026-09-26. ↩
  3. NYU Stern (Aswath Damodaran), Historical Returns on Stocks, Bonds and Bills: 1928-2024 (the table runs through 2025: $100 at the start of 1928 grew to $1,157,599 by the end of 2025). Checked 2026-09-26. ↩
  4. U.S. Bureau of Labor Statistics via FRED, Consumer Price Index for All Urban Consumers: All Items in U.S. City Average (CPIAUCNS) (17.3 in December 1927, 324.054 in December 2025). Checked 2026-09-26. ↩

Calculators are educational estimates, not financial advice. Disclosures · How pages are reviewed