Where do you rank?Your place in American wealth.
See exactly where your net worth and income rank among Americans your age and in your city — then map the path forward. Built on Federal Reserve and Census data. 33 calculators back it up. Calculator inputs stay in your browser.
What it takes to rank — net worth by age
Fed SCF 2022 · 2026 $The household net worth you need to reach each percentile, by age. Find your row, scan across, and see where you'd land. These are the exact thresholds behind our net-worth percentile calculator.
| Age | Median (50th) | Top 25% | Top 10% · rich | Top 1% · elite |
|---|---|---|---|---|
| Under 35 | $39K | $135K | $390K | $1.71M |
| 35 to 44 | $135K | $436K | $980K | $4.20M |
| 45 to 54 | $247K | $740K | $1.76M | $7.90M |
| 55 to 64 | $364K | $1.05M | $2.60M | $13M |
| 65 to 74 | $410K | $1.30M | $3.20M | $17M |
| 75 and over | $334K | $1.00M | $2.75M | $14M |
Source: Federal Reserve Survey of Consumer Finances (SCF 2022), inflation-adjusted to 2026. Net worth = assets minus debts, excluding nothing. Want the full age × income grid? Open the complete percentile table →
Find your rank
Percentile toolsNet Worth Percentile by Age
Enter age, income, and net worth — get your exact percentile against US households like you.
Check my rankIncome Percentile Calculator
Enter your salary — see where it ranks nationally or in any of 22 major US metros.
Rank my incomeAm I Rich?
One blended income + net-worth percentile, with the nearest milestones to climb.
Get my scoreAm I Middle Class?
Lower, middle, or upper class — the Pew thresholds for your income and state.
See my tierRank by where you live
City & state dataA six-figure salary means something very different in San Francisco than in Houston. Drill into local income data for 22 major metros and the middle-class range for all 51 states.
City Income Percentiles
Median, top-20%, and top-5% household income for 22 US metros — plus local rent burden and commute.
All 22 metrosState Middle-Class Income
The Pew lower-to-upper income range that defines middle class in each of the 51 states.
All 51 statesThe US wealth landscape
Fed SCF + Census · 2026- $192K
- Median household net worth
- $1.92M
- Top 10% net worth (35–44)
- $74K
- Median household income
- 22
- Metro income benchmarks
Plan the climb — FIRE deep-dives
For serious plannersSafe Withdrawal Rate Calculator
Stress-test the 4% rule with 1,000 simulated retirements. Vary withdrawal rate, length, and stock allocation.
Run simulationRoth Conversion Ladder
Pre-pay taxes in low-income years to access IRA money before 59½. See year-by-year tax owed and seasoned balances.
Build ladderMega Backdoor Roth
How much extra after-tax money you can funnel into a Roth past the normal $24,500 401(k) limit.
Find my spacePre-Medicare Gap Calculator
Retiring before 65? Estimate ACA premiums, subsidies, and total health insurance cost until Medicare kicks in.
Calculate gapSS Break-Even Calculator
Claim at 62, 67, or 70? See the exact age each choice pays off — by lifetime benefit, not rules of thumb.
Find break-evenNet Worth Percentile Table (2026)
Every age × income cell from the latest Fed SCF. The reference table behind our per-slice calculators.
Open tableAll calculators
Pick a tool — every input stays in your browser.
Compound Interest
Calculate how your savings grow over time with compound interest. See the power of compounding with different rates, time periods, and contribution schedules.
CalculateFIRE Number
Free FIRE calculator [2026 Data]. Spending $40k/yr? You need $1,000,000 at the 4% rule ($1.14M at 3.5%). See your exact FIRE number and years to freedom.
CalculateSavings Goal
Figure out how much you need to save each month to reach your financial goal. Whether it's an emergency fund, vacation, or down payment — plan your savings path.
CalculateDebt Payoff
Calculate how long it will take to pay off your debt and how much interest you'll pay. See the impact of different monthly payment amounts on your payoff timeline.
CalculateEmergency Fund
Free emergency fund calculator [2026 Data]. At $3,000/mo essentials, 6 months = $18,000 target. See your exact savings gap and months-to-goal in one click.
CalculateInvestment Return
Calculate the future value of your investment based on your initial amount, expected annual return, and time horizon. See how your money grows over time.
CalculateRetirement Savings
Estimate how much you'll have saved by retirement based on your current savings, monthly contributions, and expected investment returns.
CalculateInflation
Free inflation calculator [2026 Data]. At 3% inflation, $100,000 today = $55,368 buying power in 20 years. See your money's real future value instantly.
CalculateRule of 72
Use the Rule of 72 to quickly estimate how long it takes to double your money at a given interest rate. A simple yet powerful mental math shortcut for investors.
CalculateNet Worth
Calculate your net worth by adding up your assets and subtracting your liabilities. Track your financial health with a clear picture of where you stand.
Calculate50/30/20 Budget
Apply the 50/30/20 budget rule to your income. Instantly see how much to allocate for needs, wants, and savings each month.
CalculateCoast FIRE
Free Coast FIRE calculator [2026 Data]. At age 30 targeting $1M by 65 at 7% real return, your Coast FIRE number is ~$93,700. Find your exact stop-saving threshold.
CalculateLean FIRE
Calculate your Lean FIRE number for achieving financial independence on a frugal budget. See how many years until you can retire with minimalist living expenses.
CalculateSavings Rate
Calculate your savings rate and see how quickly you can build wealth. Find out how long it takes to save $100K based on your income and expenses.
CalculateDividend
Estimate your dividend income from investments. Calculate annual and monthly dividends, total income over time, and how dividend growth compounds your yield on cost.
CalculateMortgage Payoff
See how much time and money you save by making extra mortgage payments. Calculate the impact of additional principal payments on your loan payoff date and total interest.
CalculateCar Affordability
Free car affordability calculator [2026 Data]. On a $500/month budget at 6.5% APR, you can afford ~$28,600. See your max price using the 20/4/10 rule.
CalculatePaycheck
Estimate your take-home pay per paycheck. Calculate gross pay, taxes, and net income based on your salary, pay frequency, and tax rates.
CalculateRent vs Buy
Compare the monthly costs of renting versus buying a home. Calculate mortgage payments, total cost of ownership, and how many years until buying becomes cheaper.
CalculateDCA
Free DCA calculator [2026 Data]. $500/mo for 10 yrs at 8% grows to $91,473 vs $129,540 lump sum. See why lump sum wins ~2/3 of the time historically.
CalculateSS Break Even
Find the break-even age for claiming Social Security at 62, 67, or 70. Compare cumulative benefits to determine the optimal claiming strategy.
CalculateCD
Calculate the maturity value and interest earned on a certificate of deposit. Compare different CD terms and compounding frequencies to maximize your returns.
CalculateTip
Quickly calculate tip amount, total bill, and per-person split. Enter your bill, choose a tip percentage, and split evenly among your group.
CalculateSimple Interest
Calculate simple interest on your savings or loans. Find out how much interest you earn or owe based on principal, rate, and time period.
CalculatePresent Value
Calculate the present value of a future sum of money. Determine how much a future amount is worth today given a specific discount rate.
CalculateFuture Value
Calculate the future value of your investments with regular monthly contributions. See how your money grows over time with compound growth.
CalculateAnnuity
Calculate the present and future value of annuity payments. Determine the value of regular periodic payments at a given interest rate.
CalculateLoan Payment
Calculate your monthly loan payment, total interest, and total cost. Works for mortgages, auto loans, personal loans, and student loans.
CalculateCredit Card Payoff
Free credit card payoff calculator [2026 Data]. At $5,000 balance, 22% APR, $200/mo takes 32 months and costs $1,400 in interest. See your exact debt-free date.
CalculateDown Payment
Free down payment calculator [2026 Data]. On a $400k home with 20% down + 3% closing, you need $92,000 cash to close. See your exact cash-to-close now.
CalculateHourly to Salary
Free hourly-to-salary calculator [2026 Data]. $25/hr × 40 hrs × 52 wks = $52,000/yr ($4,333/mo, $2,000 biweekly). Compare job offers in one click.
CalculateMillionaire
Find out how many years it will take to reach one million dollars. Enter your current savings, monthly contributions, and expected return rate.
CalculateBarista FIRE
Calculate your Barista FIRE number — the savings needed to cover the gap between your expenses and part-time income through investment withdrawals.
CalculateGuides & data
Research-backed deep-divesCommon questions
Quick answersWhat net worth puts me in the top 10% in the US?
It depends heavily on age. For households 35–44 the top-10% threshold is about $1.92M; for 55–64 it's closer to $2.6M (Fed SCF 2022, 2026 dollars). See the full breakdown in the ranking table above or run your exact number in the percentile calculator.
What is the median net worth in the US?
The US median household net worth is about $192K (Fed SCF 2022, inflation-adjusted to 2026). But the median jumps sharply with age — households in their 60s often sit 5–7× higher than those under 35. See the full breakdown in our 55 Net Worth Statistics guide.
How do I calculate my income percentile?
Enter your annual household income into our Income Percentile Calculator. We use Census ACS household income distributions and map your number to the right percentile bucket — nationally or for any of 22 metros. No signup, no PII; inputs stay in your browser.
Is $100K a good salary?
It depends on your age, state, and household size. A $100K household income lands around the top 30% nationally — but only the top 50% in a high-cost metro like San Francisco. Check yours in the Am I Rich? calculator (blended income + net worth score).