Real Federal Reserve data · No signup
Where does your net worth rank?
See where your net worth ranks against U.S. households your age — using real weighted percentiles from the Federal Reserve Survey of Consumer Finances, 2022, in 2022 dollars. Free, no signup.
See where your net worth ranks
Used only to pick your Federal Reserve age bracket.
Everything you own minus everything you owe — including home equity. It can be negative.
Everything is computed in your browser. Your age and net worth are never sent to a server, and nothing is stored — close the tab and they're gone.
You rank at the 60th percentile for ages 35–44.
Your net-worth rank · ages 35–44
For your age (35–44), you're wealthier than 60% of U.S. households.
Against all U.S. households of every age, that's about the 53rd percentile.
Shares only this number — never your inputs.
Where you land on the curve
Net worth at each percentile for U.S. households aged 35–44. The curve is near-flat across most of the population and rockets up through the top 10% — that is the real shape of wealth. Source: Federal Reserve Survey of Consumer Finances, 2022.
The tiers above you (for your age)
- Top 25% for ages 35–44$415,000$165,000 to go
- Top 10% for ages 35–44$1,049,650$799,650 to go
- Top 5% for ages 35–44$1,759,100$1,509,100 to go
- Top 1% for ages 35–44$7,009,500$6,759,500 to go
Thresholds are the net worth at each tier for your age bracket (Federal Reserve Survey of Consumer Finances, 2022). The gap is how far your current net worth is from each tier above you.
See the year-by-year path to the next tier
This is a snapshot. A free FIManager plan projects your net worth forward year by year, so you can see what it takes to reach the top 10% for your age — and track it as your money moves. Free, no card.
Create my free plan — no cardEstimates from the Federal Reserve Survey of Consumer Finances, 2022, interpolated between the Fed's published percentile breakpoints — a ranking guide, not a precise statistic or financial advice. All figures in 2022 dollars.
How this works
The Federal Reserve Survey of Consumer Finances, 2022 is the Fed's authoritative, once-every-three-years study of U.S. household finances. From its public data we computed the weighted percentiles of total household net worth (the NETWORTH variable, using the survey weight), overall and within six age brackets, and verified every value against the Fed's published anchors to within 1%.
To rank you, the calculator maps your age to its bracket and interpolates your percentile between the published breakpoints (the 10th, 25th, 50th, 75th, 90th, 95th and 99th). That makes your exact percentile an estimate — a faithful ranking guide, not a precise statistic. Net worth under the 10th percentile is reported as "bottom 10%" and above the 99th as "top 1%". All figures are in 2022 dollars, so recent inflation and market moves are not reflected.
Net worth by age: the benchmarks
The median, top-10% and top-1% net worth for each age bracket, straight from the SCF 2022 data behind the calculator. The jump from the median to the top 1% is the wealth distribution's long tail — the same steep climb the calculator's curve shows.
| Age bracket | Median (50th) | Top 10% (90th) | Top 1% (99th) |
|---|---|---|---|
| Under 35 | $39,040 | $372,220 | $2,375,100 |
| 35–44 | $135,300 | $1,049,650 | $7,009,500 |
| 45–54 | $246,700 | $1,973,580 | $12,525,000 |
| 55–64 | $364,270 | $2,960,900 | $17,627,000 |
| 65–74 | $410,000 | $2,997,400 | $19,908,000 |
| 75+ | $334,700 | $2,699,000 | $17,726,250 |
Source: Federal Reserve Survey of Consumer Finances, 2022. Figures are total household net worth (assets including home equity minus all debts), in 2022 dollars.
FAQ
- What is a net worth percentile?
- Your net worth percentile is the share of households you are wealthier than. Sitting at the 78th percentile for your age means roughly 78% of households your age have a lower net worth and 22% have more. It is a ranking, not a grade — and the median (50th percentile) is a more honest benchmark than the average, which a small number of very rich households pull far upward.
- Is this based on real data?
- Yes. Every figure comes from the Federal Reserve Survey of Consumer Finances (SCF) 2022, the Fed's authoritative triennial study of U.S. household finances — the weighted percentiles of total household net worth, in 2022 dollars, verified against the Fed's published anchors. Your exact percentile is then estimated by interpolating between those published breakpoints, so treat it as a ranking guide, not a precise statistic.
- Does net worth include home equity?
- Yes. The SCF net-worth figure is total net worth: everything a household owns (home equity, retirement and brokerage accounts, cash, cars, business interests) minus everything it owes (mortgage, student loans, credit cards, other debt). To compare on the same basis, include your home equity — your home's value minus the mortgage — in the number you enter.
- Is my data private?
- Completely. The calculator runs entirely in your browser. Your age and net worth are never sent to a server, never stored, and never placed in a shareable link. If you tap Share, only a percentile phrase leaves — for example "higher than 78% of people my age" — never your actual net worth.
- What's the difference between mean and median net worth?
- The median is the middle household — half above, half below. The mean (average) sums everyone's net worth and divides by the count. Because a small number of households hold enormous wealth, the mean sits far above the median: in SCF 2022 the all-ages median is about $192,700, while the average is several times higher. That gap is why this tool ranks you by percentile rather than quoting an "average".
- How do I move up a net worth tier?
- Net worth grows two ways: saving and investing more of your income, and letting what you own compound. Climbing from, say, the 50th to the 75th percentile for your age comes down to the gap between those thresholds and how fast your net worth is growing. There is no shortcut — but projecting your net worth forward year by year shows what savings rate and return would close the gap. The calculator above shows each tier's threshold and your distance from it.
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