HenryCalc
Net worth percentile calculator
See where your net worth ranks by age against US households, using 2022 Fed SCF data.
Where do you stand?
Net worth is the single best snapshot of financial health - everything you own minus everything you owe. But a raw number means little without context. This calculator tells you your percentile within your own age group, using Federal Reserve data, so you compare yourself to peers at the same life stage rather than to retirees or new grads.
US net worth percentiles by age (2022 SCF)
These are approximate figures from the Federal Reserve’s 2022 Survey of Consumer Finances, including home equity:
| Age | 25th | Median (50th) | 75th | 90th |
|---|---|---|---|---|
| Under 35 | $5,000 | $43,000 | $158,000 | $417,000 |
| 35-44 | $20,000 | $136,000 | $413,000 | $1.0M |
| 45-54 | $51,000 | $240,000 | $797,000 | $2.0M |
| 55-64 | $82,000 | $357,000 | $1.1M | $2.9M |
| 65-74 | $97,000 | $416,000 | $1.2M | $2.9M |
| 75+ | $92,000 | $333,000 | $958,000 | $2.7M |
Notice how the whole distribution shifts right with age - which is exactly why an age-adjusted percentile is the only fair comparison.
Worked example
A 40-year-old with a $250,000 net worth falls in the 35-44 band. That is above the group median of $136,000 but below the 75th percentile ($413,000), so they land around the 63rd-65th percentile - comfortably ahead of the typical peer, with room to climb toward the top quartile.
Why percentile, not the raw number
- It removes the age distortion. A $200k net worth is excellent at 30 and modest at 60. Percentile within your age band reflects that.
- It motivates the right behavior. Moving up a percentile comes from raising your savings rate and letting investments compound - not from chasing income alone.
- It is a reality check. Social media skews perceptions of “normal” wealth; the actual medians are lower than most people assume.
What moves your percentile
Your net worth - and your rank - rises fastest when you:
- Increase your savings rate, the biggest lever at any income.
- Pay down high-interest debt, which counts directly against net worth.
- Let investments compound in tax-advantaged accounts.
- Build home equity, which is included in these figures.
Important caveats
- The data is from 2022 and updated only every three years, so treat it as a benchmark, not a live number.
- It reflects all US households, not your city or profession - high-cost metros and high-paying fields skew well above these medians.
- Net worth includes home equity, which is illiquid; a high figure does not always mean high spendable wealth.
To turn your net worth into a retirement timeline, use the FIRE calculator; to see how your savings rate drives the climb, see the savings rate calculator; and to find the milestone where you can coast, the Coast FIRE calculator.
Frequently asked questions
- What counts as net worth?
- Net worth is everything you own minus everything you owe - cash, investments, retirement accounts, and home equity, less mortgages, student loans, and other debt. These figures include the value of a primary residence.
- Why compare net worth by age?
- Net worth naturally rises over a career as you pay down debt and investments compound, so comparing a 30-year-old to a 60-year-old is meaningless. Percentile within your own age group is the fair benchmark.
- Where does this data come from?
- From the Federal Reserve's 2022 Survey of Consumer Finances, the most authoritative US wealth dataset, released in late 2023. Figures are approximate and updated every three years.
- Is net worth the same as income?
- No. Income is what you earn each year; net worth is what you have accumulated. High earners can have low net worth (spending it all) and modest earners can build high net worth by saving consistently.
Last reviewed January 2026. This calculator provides general educational estimates based on the inputs you enter and simplified assumptions. It is not financial, tax, legal or investment advice, and figures may differ from your actual liability. Verify with a licensed CPA or financial advisor before acting.