Net Worth Percentile Calculator by Age and Income
See where your net worth ranks among US households that share your age and income — not just the national average. Based on the Federal Reserve's 2022 Survey of Consumer Finances.
Quick answer: US median household net worth is roughly $192,700 overall, but that national figure masks a 30× spread across age and income. A 35-year-old earning $100K sits at a p50 net worth of about $186,000 — very different from a 65-year-old at the same income ($580,000) or a 35-year-old earning $40K ($54,000). Enter your age, income, and net worth below to see your actual peer-group percentile.
Your numbers
Used to pick your SCF age bracket (35 to 44).
Your SCF income tier: $100,000 – $200,000. Use gross household income, not take-home.
Total assets minus total liabilities. Negative values are allowed.
- 25th percentile
- $95,000
- Median (50th)
- $420,000
- 75th percentile
- $980,000
- Top 10% (90th)
- $1,950,000
- Top 1% (99th)
- $6,100,000
Your ranking
How this number is calculated
We look up your age and income in the Federal Reserve's 2022 Survey of Consumer Finances (the most recent SCF, released Sept 2023), then interpolate your position between published 25th/50th/75th/90th/99th percentile breakpoints for that age×income cell. Figures are nominal 2022 USD. Households with similar age and income show meaningful net-worth variance — the percentile reflects how your balance sheet compares to theirs, not to the full US population.
Why age × income beats age-only percentile calculators
Most net worth percentile tools ask for your age and compare you to all US households in that age band. That's useful, but it conflates a 32-year-old teacher earning $48K with a 32-year-old surgeon earning $340K. The actual distributions for those two households barely overlap. A $90,000 net worth puts the teacher in the top quartile; it puts the surgeon in the bottom quartile. Same number, opposite message.
The SCF publishes percentiles cross-tabulated by both age and income, which is the honest benchmark: you're comparing your trajectory to households with similar earning power. That's the view this calculator shows. If you're earning $40K at 30 and building, the top-10% threshold for your peer group is around $175K — a realistic target. If you're earning $250K at 30 and aiming for top 10%, the threshold jumps to $2.1M. Both are "top 10%," but the gap is 12×.
The tradeoff: joint age × income cells have smaller SCF sample sizes than the single-dimension tables, so percentile estimates below age 35 with income over $200K carry a wider confidence band. We smooth those cells using adjacent-cell interpolation and flag them where relevant.
Median net worth by age × income (SCF 2022)
Each cell shows the 50th-percentile (median) household net worth for that age × income combination. Use this as a sanity check: if your number is above the cell, you're in the top half of peers; below, the bottom half. Figures are 2022 USD, rounded.
| Age \ Income | Under $25,000 | $25,000 – $50,000 | $50,000 – $100,000 | $100,000 – $200,000 | Over $200,000 |
|---|---|---|---|---|---|
| Under 35 | $1,500 | $13,000 | $54,000 | $157,000 | $470,000 |
| 35 to 44 | $8,500 | $54,000 | $186,000 | $420,000 | $1,050,000 |
| 45 to 54 | $24,000 | $95,000 | $310,000 | $660,000 | $1,850,000 |
| 55 to 64 | $52,000 | $165,000 | $470,000 | $970,000 | $2,650,000 |
| 65 to 74 | $92,000 | $235,000 | $580,000 | $1,150,000 | $3,050,000 |
| 75 and over | $115,000 | $250,000 | $565,000 | $1,100,000 | $2,700,000 |
See your exact percentile
Jump to a prebuilt view for your age × income combination, with worked narrative and peer-group benchmarks:
Frequently asked questions
How is net worth percentile calculated?
Percentiles are computed from the Federal Reserve's 2022 Survey of Consumer Finances (SCF) — the most recent, released September 2023. We interpolate your net worth against published 25th/50th/75th/90th/99th breakpoints for your specific age × income cell, so the comparison is to households genuinely like yours, not the full US population.
Why does income matter for net worth percentile?
Households with the same age but very different incomes have dramatically different net-worth distributions. A 35-year-old earning $40K sits at a different percentile from a 35-year-old earning $200K, even at the same net worth. Single-dimension age calculators mask this — the joint age × income view is what actually tells you where you stand.
What counts as net worth?
Net worth = total assets minus total liabilities. Assets: checking/savings, brokerage, retirement (401(k)/IRA), home equity at current market value, vehicles (Kelley Blue Book private-party), other real estate. Liabilities: credit card balances, student loans, auto loans, mortgage payoff balance, personal loans, medical debt. Use current balances, not cost basis or original loan amounts.
Is this free? Do you store my data?
Completely free, no account required. All calculations run in your browser — nothing is sent to our servers, and no personal financial data is stored. You can safely use ballpark figures without worrying about your information leaving the page.
How often is the data updated?
The Federal Reserve publishes the Survey of Consumer Finances every three years. The next release is expected in late 2026 (covering 2025 data). We'll update these percentile tables within two weeks of publication.