Net Worth Percentile Calculator by Age
See how your net worth ranks against other U.S. households your age — and whether you're ahead of or behind the median. Based on Federal Reserve data.
Your Numbers
Where You Rank
52th percentile
Among U.S. households aged 35–44, your net worth of ¤150,000 ranks higher than about 52% of them — and you're wealthier than roughly all but the wealthiest 48% your age.| Your percentile | 52th |
| Median net worth (ages 35–44) | ¤135,600 |
| Average net worth (ages 35–44) | ¤549,600 |
Net Worth Percentiles for Ages 35–44
The net worth required to reach each percentile in your age group. Your position is the green line.Net Worth Percentile Thresholds by Age
The table below shows the approximate net worth needed to reach each percentile within your age bracket (35–44), based on the Federal Reserve 2022 Survey of Consumer Finances.
| Percentile | Net worth (ages 35–44) | What it means |
|---|---|---|
| 10th | ¤1,000 | Wealthier than 10% of households your age |
| 25th | ¤30,000 | Wealthier than 25% of households your age |
| 50th | ¤135,600 | Wealthier than 50% of households your age |
| 75th | ¤375,000 | Wealthier than 75% of households your age |
| 90th | ¤900,000 | Wealthier than 90% of households your age |
| 95th | ¤1,400,000 | Wealthier than 95% of households your age |
| 99th | ¤4,000,000 | Wealthier than 99% of households your age |
How the Net Worth Percentile Calculator Works
This free net worth percentile calculator by age compares your net worth to the distribution of U.S. household net worth in your age group. The underlying data comes from the Federal Reserve 2022 Survey of Consumer Finances, the most recent edition of the Federal Reserve's triennial study of American household finances. We anchor each age bracket to the published medians and interpolate between percentile breakpoints to estimate where you land.
Comparing by age matters because wealth naturally accumulates over a lifetime. A $200,000 net worth that would place a 30-year-old well into the top quartile is roughly median for someone in their 50s. Looking at your own age cohort gives a fairer picture than a single national number.
What Counts as Net Worth?
Net worth is everything you own minus everything you owe. Assets include cash and bank accounts, brokerage and retirement accounts (401(k), IRA, Roth IRA, HSA), home equity, vehicles, and business interests. Liabilities include your mortgage, student loans, auto loans, credit card balances, and any other debt. The Federal Reserve's figures use this comprehensive definition, which is why home equity and retirement accounts are included — not just liquid investments.
Why the Median Is So Far Below the Average
You'll notice the average (mean) net worth in each age group is several times the median. That's because net worth is extremely right-skewed: a small number of very wealthy households pull the average sharply upward, while the median — the literal middle household — is unaffected by billionaires. For judging where a typical person stands, the median and your percentile are far more meaningful than the average. Our financial independence insights page explores this skew in more detail.
Percentiles vs. Savings Benchmarks
A net worth percentile tells you where you rank relative to other people. That's motivating, but it doesn't tell you whether you're on track for your own retirement. For that, pair this calculator with a forward-looking benchmark — like Fidelity's guideline to have roughly 1× your salary saved by 30, 3× by 40, and so on. Our savings by age guide covers those targets, and the how much to retire page helps you set a personal number.
How to Move Up the Percentiles
The fastest way to climb the net worth rankings is a high, consistent savings rate invested in low-cost index funds inside tax-advantaged accounts, then letting compound growth do the rest. The savings rate calculator shows how much your savings percentage accelerates the journey, and the millionaire calculator shows how long it takes to reach seven figures.
Data Notes and Limitations
Figures are based on the Federal Reserve 2022 Survey of Consumer Finances and are expressed in 2022 dollars. Medians match the published SCF values; the upper-tail breakpoints are representative estimates consistent with the survey's skewed distribution. Your computed percentile is an interpolation and should be read as a close approximation, not an official statistic. Net worth distributions also vary by region, household size, and homeownership. This is an educational tool, not financial advice.
Net Worth Percentile FAQ
What net worth puts you in the top 10% by age?
It rises with age. Based on the 2022 Survey of Consumer Finances, the top 10% (90th percentile) of net worth is roughly $300,000 under age 35, around $900,000 for ages 35–44, about $1.5 million for ages 45–54, and over $2 million for ages 55 and up.
What is the median net worth by age in the US?
Per the 2022 Survey of Consumer Finances, median household net worth is about $39,000 under age 35, $135,600 for ages 35–44, $247,200 for ages 45–54, $364,500 for ages 55–64, and $409,900 for ages 65–74. The median sits far below the average because a small number of very wealthy households pull the mean up.
Should I use net worth percentile or savings benchmarks?
Both are useful. Net worth percentiles show where you stand among all households your age, while savings-by-age benchmarks give a forward-looking target tied to retirement readiness. Percentiles measure relative ranking; benchmarks measure whether you're on track for your own goals.
Does net worth include home equity and retirement accounts?
Yes. Net worth is everything you own minus everything you owe: bank accounts, brokerage and retirement accounts, home equity, vehicles, and business interests, minus mortgages, student loans, credit card balances, and other debts. The Federal Reserve's figures use this comprehensive definition.