Net worth percentile calculator
Enter your age and what you own vs owe to see roughly where your net worth ranks among U.S. families your age — based on Federal Reserve data. Free, and the math runs in your browser.
Net worth percentile: where do you stand?
Enter your age and what you own vs owe to see how your net worth ranks for your age.
Net worth = $250,000 (assets − debts)
You're ahead of about
64%
of people your age — roughly the top 36% for ages 35–44.
You're above the median net worth for ages 35–44.
Approximate estimate from a distribution fit to published medians. Source: Federal Reserve Survey of Consumer Finances, 2022.
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How the percentile is estimated
Step 1: your net worth
net worth = total assets − total debts
Assets are everything you own at today’s value: cash, investments, retirement accounts, your home’s full market value, and cars. Debts are balances owed: mortgage, loans, and credit cards. Our guide to calculating net worth explains what else to include.
Step 2: compare it with your age group
The comparison data is the Federal Reserve’s 2022 Survey of Consumer Finances: the median and mean family net worth for six age groups, from Table 2 of “Changes in U.S. Family Finances from 2019 to 2022” (Federal Reserve Bulletin, October 2023), in 2022 dollars.
| Age of reference person | Median | Mean |
|---|---|---|
| under 35 | $39,000 | $183,500 |
| 35–44 | $135,600 | $549,600 |
| 45–54 | $247,200 | $975,800 |
| 55–64 | $364,500 | $1,566,900 |
| 65–74 | $409,900 | $1,794,600 |
| 75+ | $335,600 | $1,624,100 |
The Fed publishes these two figures per age group but not a full percentile curve. The calculator fits a log-normal curve that has exactly that median and mean, then reads your position off it:
percentile ≈ Φ( (ln NW − ln median) ÷ σ ), σ = √(2 · ln(mean ÷ median))
Φ is the standard normal curve. The result is rounded and kept between 1 and 99. A net worth of $0 or less is placed at the 1st percentile, the bottom of the range, because the curve only covers positive values.
An example with illustrative numbers
A fictional 38-year-old owns a $300,000 home and $50,000 in savings and owes $200,000 on the mortgage. Net worth is $300,000 + $50,000 − $200,000 = $150,000. That falls in the 35–44 group, where the median is $135,600, and the calculator shows them ahead of about 52% of families their age.
Use the full home value when you also include the mortgage in debts; using home equity and then subtracting the mortgage would count that debt twice.
Assumptions and limits
- The survey figures are from 2022 and in 2022 dollars. They are not adjusted for inflation or market changes since then, so today’s households may sit higher or lower.
- The log-normal curve is a modelling choice built from two published figures, not the survey’s own distribution, so read the result as a rough band rather than a precise rank.
- The survey groups families by the age of one reference person; the calculator uses the age you enter to pick the group.
- Blank or non-numeric amounts count as $0. The percentile is shown only once an age above 0 is entered.
Frequently asked questions
Where do the net worth figures come from?
From the Federal Reserve’s 2022 Survey of Consumer Finances, as published in Table 2 of the Federal Reserve Bulletin article “Changes in U.S. Family Finances from 2019 to 2022” (October 2023). The calculator uses the median and mean family net worth for each age group of the reference person, in 2022 dollars.
Is the percentile exact?
No. The Fed table gives a median and a mean for each age group, not a full percentile curve. The calculator fits a log-normal curve to those two figures and reads your position off it, then rounds to a whole number between 1 and 99. Treat it as an approximate band.
What is the median net worth by age?
In the 2022 survey, median family net worth was $39,000 under age 35, $135,600 for ages 35–44, $247,200 for 45–54, $364,500 for 55–64, $409,900 for 65–74, and $335,600 for 75 and older, in 2022 dollars.
What if my net worth is zero or negative?
The log-normal curve only covers positive values, so the calculator places any net worth of $0 or less at the 1st percentile for your age group, so it never ranks above a small positive net worth. The figure is a placeholder for “the bottom of the range”, not a measured result.
Why compare by age?
Median net worth in the survey rises from $39,000 for families under 35 to $409,900 for ages 65–74, so a comparison against all households would mostly reflect age. Comparing within your own age group is closer to like for like.
Should I count my home?
The survey counts a primary residence as an asset at the value the family reports, and the mortgage as a debt. To match that, enter the home’s full market value as an asset and the mortgage balance as a debt. Entering home equity and also subtracting the mortgage would count the loan twice.
Sources
Estimates for education, not financial advice.
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