See where your net worth ranks among US households your age — your percentile and how you stack up against the median, based on Federal Reserve data. ✓ Fed SCF data
Rank vs your age group
Net worth — everything you own minus everything you owe — varies enormously by age, since wealth builds over a lifetime. The Federal Reserve's Survey of Consumer Finances shows median household net worth rising from about $39,000 under 35 to roughly $135,000 at 35–44, $247,000 at 45–54, and $364,000 at 55–64. Comparing yourself to your own age group is far more meaningful than an overall average.
This calculator estimates your percentile by interpolating between the 10th, 25th, 50th, 75th and 90th percentiles for your age band. Figures are approximate and based on recent SCF data — your real ranking depends on the survey year and how you value assets. For motivation and context, not financial advice.
A percentile locates a value within a distribution: the 75th percentile is the point below which 75% of observations fall. Wealth distributions are extremely right-skewed, which makes the distinction between mean and median unusually stark — US mean household net worth is several times the median, because a small number of very large fortunes drag the average upward while leaving the midpoint untouched. Age matters as much as amount: net worth naturally accumulates over a working life, so comparing a 30-year-old against the whole population is close to meaningless. Age-banded percentiles are the only fair comparison.
Percentile = (Number of households below your value ÷ Total households) × 100Percentile rank within an age band is the meaningful comparisonMedian = 50th percentile; mean is pulled far above it by skewwhere:
Assumptions: Based on survey data such as the Federal Reserve Survey of Consumer Finances, published every three years. Self-reported wealth surveys under-sample the very wealthy, so top percentiles are estimates rather than counts.
Compare a household against the whole population and then against its own age band.
ResultRoughly the 65th percentile overall — about the 75th for ages 35–44
The five-to-one gap between mean and median is the whole story of wealth distribution. Any comparison against "average net worth" will make almost everyone feel behind, because the average describes a point that very few households occupy.