Net worth percentile calculator
Everyone wonders. Enter your assets and debts to see where you rank among US families, and against your own age group, which is the comparison that actually means something.
Home equity at market value, retirement accounts, brokerage, cash, vehicles, business interests.
Mortgage balance, student loans, car loans, credit cards, everything owed.
The mean is more than five times the median because the top of the distribution pulls it upward. The median is the number to compare yourself against.
That is $62,560 above where you are now.
Age is the strongest single predictor of net worth, so comparing against everyone is usually the wrong comparison.
| Percentile | Net worth |
|---|---|
| 10th | $450 |
| 25th | $27,000 |
| 50th | $192,700 |
| 75th | $659,000 |
| 90th | $1,936,900 |
| 95th | $3,795,600 |
| 99th | $13,615,400 |
Figures are in 2022 dollars from the most recent Survey of Consumer Finances, which the Federal Reserve runs every three years. Percentiles between published points are interpolated, so treat the result as a close estimate rather than an exact survey value. Net worth is assets minus debts for a family, not an individual.
The median US family net worth is $192,700 and the mean is $1,059,457, from the Federal Reserve's 2022 Survey of Consumer Finances. The gap between those two numbers is the point: the mean is dragged up by the very top, so the median is what most families should measure against. Age matters more than almost anything else, with the median rising from about $39,000 under 35 to $410,000 for families aged 65 to 74.
Frequently asked questions
What is the average net worth in the US?
The median family net worth is $192,700 and the mean is $1,059,457, both from the Federal Reserve's 2022 Survey of Consumer Finances. The mean is more than five times the median because the very top of the distribution pulls it upward, which is why the median is the number worth comparing yourself against.
How is net worth calculated?
Assets minus debts. Assets include your home at market value, retirement accounts, brokerage and cash, vehicles and any business interest. Debts include the mortgage, student loans, car loans and credit cards. A negative net worth simply means you owe more than you own, which is common early in a career and especially after graduate study.
Should I compare myself against my age group?
Yes, it is the more useful comparison. Age is the strongest single predictor of net worth: the median under 35 is $39,040, rising to $410,000 for families aged 65 to 74. Comparing a 28-year-old against the national median tells you almost nothing except that they are young.
Why does net worth fall after 75?
Because retirees spend down what they accumulated. The median drops from $410,000 in the 65 to 74 band to $334,700 for 75 and older. That is the plan working, not a failure: retirement savings exist to be drawn on.
Where does this data come from?
The Federal Reserve's Survey of Consumer Finances, computed directly from the 2022 summary extract public data using the survey weights across all five imputations. Our computation reproduces the Fed's own published median and mean to within a rounding difference, which is what gives confidence in the rest of the curve.
What moves the number
Retirement accounts and home equity dominate most families' balance sheets. See what regular contributions become with the compound interest calculator, what your employer match is worth with the 401(k) calculator, and how fast clearing debt lifts the other side with the debt payoff calculator.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Net Worth Percentile Calculator.” Vault Nerd, https://www.vaultnerd.com/tools/net-worth-percentile-calculator, updated August 2026.
- Federal Reserve Board, Survey of Consumer Finances 2022 summary extract public data, weighted across all five imputations