Net Worth Percentile Calculator

Enter your numbers below and see exactly where you rank against U.S. households nationally — not just against your age group.

Assets

Cash & savings

Brokerage / investments

Retirement accounts (gross)

Home value (what it would sell for)

Vehicles

Other property

Liabilities

Mortgage balance

Auto loans

Student loans

Credit cards

Personal / other loans

Your age

Your net worth

$336,913

At $336,913, you're ahead of the typical 35–44 household — the median there is $135,600.

At $336,913, you're roughly at the 61st percentile of U.S. households by net worth.

Most of your $336,913 net worth is tied up in retirement accounts, home equity, or other illiquid assets — your liquid position (cash and investments, minus all debts) is -$287,637. That's common, not a warning sign; it just means your wealth isn't all cash-in-hand.

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Your history

Model assumptions & disclosures

Your numbers stay on your device. Everything you enter here is saved in your browser's local storage only — it is never sent to a server, never logged, and we have no way to see it. Clearing your browser data erases it. Use the Export option to download a backup file you control. See our privacy policy for details.

Benchmark source: Federal Reserve Bulletin, "Changes in U.S. Family Finances from 2019 to 2022," Vol. 109, No. 5 (October 2023), Table 2. Figures are the 2022 vintage — the Federal Reserve's most recently published Survey of Consumer Finances at the time this calculator was built. The Fed conducts this survey every three years; the next vintage isn't expected until late 2026.

Retirement accounts are shown at face value, before tax. A traditional 401(k) or IRA balance carries a future tax bill that isn't modeled here — withdrawals are typically taxed as ordinary income. Two people with the same account balance but different account types (Roth vs. traditional) don't have exactly the same spendable wealth. This calculator doesn't distinguish between them or estimate that tax liability.

Liquid net worth subtracts ALL liabilities, not just non-mortgage debt. Definitions of "liquid net worth" vary elsewhere online — ours is cash and brokerage holdings, minus every liability you've entered (mortgage included). It's common — and not a warning sign — for this figure to be negative even when your total net worth is comfortably positive; it simply means most of your wealth isn't sitting in cash.

The percentile lookup interpolates between published bands, it isn't a continuous curve the Fed publishes. The Federal Reserve publishes net worth medians for five percentile bands (bottom 25%, 25th–49.9th, 50th–74.9th, 75th–89.9th, top 10%), not a point-by-point curve. We plot each band's own median at the midpoint of that band's percentile range and interpolate between those points — a reasonable estimate, not an official Fed figure. Values far outside the published range are shown as "top 10%" or "bottom quarter" rather than a fabricated precise percentile.

Not financial advice. This calculator provides illustrative estimates based on the inputs you enter and published national benchmarks. It doesn't know your full financial picture. Consult a financial advisor before making decisions based on these figures.

How your rank is calculated

The Federal Reserve publishes net worth for five national percentile bands — not a continuous curve, but five ranges, each with its own published median. This calculator plots each band's median at the midpoint of its percentile range and interpolates between those five points to estimate where any given net worth figure ranks. Below the bottom band or above the top band, it shows "bottom quarter" or "top 10%" rather than inventing a precise number the data doesn't support.

The national percentile bands, 2022

Band	Median net worth
Bottom 25%	$3,500
25th–49.9th percentile	$93,300
50th–74.9th percentile	$356,300
75th–89.9th percentile	$1,036,200
Top 10%	$3,794,600

Source: Federal Reserve Bulletin, "Changes in U.S. Family Finances from 2019 to 2022," Table 2 (Percentile of net worth). These are the Fed's own published band medians — the calculator above interpolates between them, it doesn't invent intermediate figures the Fed hasn't published.

National rank vs. rank for your age

Your national percentile and your standing against your own age bracket answer two different questions, and they can point in different directions. A $400,000 net worth ranks solidly in the upper half nationally across every age — but for a 68-year-old, it's below that bracket's own $409,900 median, while for a 30-year-old it's dramatically ahead of that bracket's $39,000 median. Neither number is "more correct"; they're just answering different comparisons. See net worth by age for the age-specific comparison alongside this national one.

Frequently asked questions

What net worth puts you in the top 10% in America?

Per the 2022 SCF, the top 10% of U.S. households by net worth have a median of $3,794,600 within that group. That's the Fed's own published band median for the top decile, not a single hard cutoff — use the percentile calculator above with your own number for where you land relative to it.

What is considered a high-net-worth individual (HNWI)?

In wealth-management industry usage — not a Federal Reserve definition — "high-net-worth" commonly starts around $1 million in investable assets (excluding a primary residence), and "ultra-high-net-worth" (UHNW) typically starts around $30 million. These are industry conventions, not thresholds derived from the SCF data this calculator uses.

How is a net worth percentile calculated?

This calculator interpolates between the Federal Reserve's own published percentile-band medians (bottom 25%, 25th–49.9th, 50th–74.9th, 75th–89.9th, top 10%), plotting each band's median at the midpoint of its percentile range. The Fed doesn't publish a continuous point-by-point curve, so figures outside the published range show as "top 10%" or "bottom quarter" rather than a fabricated precise number.

What percentile is the median net worth?

By definition, the median is the 50th percentile — half of households have more, half have less. Nationally that's $192,900 (2022 SCF, all families); by age bracket the median differs (see the by-age breakdown), since a $200,000 net worth ranks very differently for a 30-year-old than for a 60-year-old.