Net Worth Calculator 2026
See Your US Percentile by Age
Enter your assets and liabilities to get your net worth, then see exactly which percentile it puts you in for your age group — benchmarked against the Federal Reserve Survey of Consumer Finances.
Read the full answer — method, rates and figures
Quick answer: Net worth = total assets − total liabilities, and your percentile is the share of American households in your age band with less. Federal Reserve Survey of Consumer Finances 2022 (the most recent published cycle; 2025 results are due late 2026) median net worth by age: under 25 = $10,400; 25-29 = $30,200; 30-34 = $80,600; 35-44 = $135,600; 45-54 = $247,200; 55-64 = $364,500; 65-74 = $409,900; 75+ = $335,600.
The national median is $192,900 and the mean $1,063,700 — the gap is why you should always benchmark against the median for your own age, not the average. The modelled top-10% (90th percentile) line runs roughly $570K at 30-34, $1.2M at 35-44, $2.1M at 45-54 and $3.3M at 55-64.
Assets counted: cash, retirement accounts (401(k)/IRA), brokerage, home equity (value − mortgage), business equity, vehicles. Liabilities: mortgage, student loans, auto loans, credit cards.
+ Assets
− Liabilities
Total Assets
$145,000
Total Liabilities
$25,000
Debt-to-Asset Ratio
17.2%
Asset Composition
What this means for you
Your net worth is $120,000, which puts you at approximately the 56th percentile of American households aged 30-34 — ahead of about 56% of them. That is above the 30-34 median of $80,600. Your debt-to-asset ratio is 17.2%.
Don't lose this snapshot
You just built your financial snapshot. Keep it updated automatically as your investments, property and debt change — and watch your percentile move with it.
Net worth
$120K
Age percentile
56th
Assets
$145K
Debt
$25K
What could move you to the 75th percentile?
Current
$120K
75th percentile
$240K
Gap
$120K
Richify can use your actual investments, retirement accounts, property, cash and debt to model the path.
See my path to the 75th percentile →What could your net worth look like?
Illustration only: 6%/yr growth on your current net worth plus $500/month of new savings. Richify projects this from your actual assets, debt and investments — and keeps it updated as they change.
See my financial future →Net worth percentile by age in the US
What each percentile is worth in your age band. The 50th (median) column is the Federal Reserve Survey of Consumer Finances 2022; the 25th, 75th, 90th and 99th columns are Richify modelled estimates, because the Fed publishes the median and mean by age but not the percentiles by age. USD, including home equity.
| Age | 25th | 50th (median) | 75th | 90th (top 10%) | 99th (top 1%) |
|---|---|---|---|---|---|
| Under 25 | $1K | $10K | $53K | $130K | $900K |
| 25-29 | $3K | $30K | $100K | $250K | $1.6M |
| 30-34 ← you | $8K | $81K | $240K | $570K | $3.2M |
| 35-44 | $15K | $136K | $470K | $1.2M | $6.2M |
| 45-54 | $28K | $247K | $780K | $2.1M | $12.5M |
| 55-64 | $42K | $365K | $1.1M | $3.3M | $19M |
| 65-74 | $65K | $410K | $1.3M | $3.7M | $21M |
| 75+ | $80K | $336K | $1.1M | $3.3M | $18.5M |
National reference lines: median household net worth $192,900, mean $1,063,700 — Federal Reserve, Survey of Consumer Finances 2022 (released October 2023, the most recent published cycle; the 2025 survey's results are due late 2026). Last updated 14 August 2026.
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Last reviewed 20 September 2026 by the Richify AI agent team.
Reviewed by Felix, Richify's AI CFO — an AI author, presented as one.
This is the textbook answer. Want to see this calculated against your actual accounts?
See my real percentile →Watch your percentile move.
Richify tracks every account in one place and re-ranks you against your age band as your net worth grows — so the number above stops being a one-off calculation and becomes a trend line.
Track my net worth freeHow it works
Net worth is the single most important number in personal finance. It is calculated by subtracting your total liabilities (everything you owe) from your total assets (everything you own). The formula is simple: Net Worth = Total Assets - Total Liabilities. A positive net worth means you own more than you owe; a negative net worth means debts exceed assets.
For example, if you have $95,000 in a 401(k), $20,000 in stocks, and $30,000 in savings (total assets: $145,000), and you owe $25,000 in student loans (total liabilities: $25,000), your net worth is $120,000. According to Federal Reserve data, the median net worth for Americans under 35 is approximately $39,000, so a net worth of $120,000 at age 32 would place you well above the median for your age group.
Understanding US Net Worth Benchmarks
The Federal Reserve conducts the Survey of Consumer Finances every three years, providing the most authoritative data on American household wealth. The median (50th percentile) is more useful than the average because wealth is heavily concentrated at the top. The average net worth for all US households is over $1 million, but the median is roughly $192,900. This enormous gap reflects extreme wealth inequality. When benchmarking yourself, always compare to the median for your age group, not the average.
The Role of Retirement Accounts
For most Americans, 401(k) and IRA accounts represent the largest financial asset outside of home equity. The median 401(k) balance for Americans aged 55-64 is approximately $89,000, though this varies dramatically by income and employer match. Maximizing your employer match is the single highest-return financial decision most Americans can make, as it represents an immediate 50-100% return on your contribution.
Debt and Net Worth in America
American households carry an average of $104,000 in total debt. The largest component is mortgage debt (average $236,000 among holders), followed by student loans (average $37,000), auto loans (average $24,000), and credit cards (average $6,500). High-interest credit card debt at 20%+ APR is the most destructive to net worth growth. Paying off $10,000 in credit card debt is financially equivalent to earning a 20%+ guaranteed return on investment.
Building Net Worth Over Time
The most reliable path to growing net worth combines three strategies: (1) maximize tax-advantaged retirement contributions, especially 401(k) employer matches and Roth IRA contributions; (2) eliminate high-interest debt systematically, starting with the highest-rate balances; and (3) invest consistently in low-cost diversified index funds. Even $500 per month invested at a 7% average annual return grows to approximately $120,000 in 12 years and $600,000 in 30 years through the power of compounding.
How to use this calculator
- Enter the current value of each asset category. Include your 401(k)/IRA balances, brokerage accounts, bank balances, real estate values (use a recent Zillow or Redfin estimate), and any other assets you own.
- Enter your outstanding liabilities. Include your remaining mortgage balance, student loan balances, auto loan payoff amount, credit card balances, and any other debts you owe.
- Enter your age to see how your net worth compares to the median for your age group based on Federal Reserve Survey of Consumer Finances data.
- Review your results. Check your total assets, total liabilities, net worth, and asset composition breakdown. Use this as a baseline and recalculate quarterly to track your progress.
❓ Frequently Asked Questions
What net worth percentile am I in for my age?
Your percentile is the share of American households in your own age band with less wealth than you. Enter your assets and liabilities above and the calculator ranks you against the Federal Reserve's Survey of Consumer Finances 2022 band for your age.
Age matters enormously: $150,000 at 28 sits comfortably above the 30-34 median of $80,600, while the same $150,000 at 58 is well below the 55-64 median of $364,500. That is why this tool ranks you within your age group rather than against the $192,900 national median, which penalises younger savers who simply have not had decades to compound.
What are the US net worth percentiles for 2026?
The most recent published data is still the Federal Reserve's Survey of Consumer Finances 2022, released in October 2023 — the 2025 survey was fielded through 2025 and its summary results are due in late 2026, so no newer official percentile table exists yet. On the 2022 figures the national median household net worth is $192,900 and the mean is $1,063,700.
By age, the medians run $10,400 under 25, $30,200 at 25-29, $80,600 at 30-34, $135,600 at 35-44, $247,200 at 45-54, $364,500 at 55-64, $409,900 at 65-74 and $335,600 at 75+. Anyone publishing a "2026 percentile table" is either restating these figures or estimating — treat inflation-adjusted versions as estimates, not Fed data.
How much net worth do I need to be above average for my age?
Beat the median for your band, not the average. The mean is far higher than the median at every age because wealth is concentrated at the top — nationally the mean is $1,063,700 against a median of $192,900, a gap of more than 5x.
Clearing the median for your age band puts you at the 50th percentile, ahead of half of American households your age: roughly $80,600 at 30-34, $135,600 at 35-44, $247,200 at 45-54 and $364,500 at 55-64. Chasing the average instead sets a target most households never reach and tells you nothing useful about your own position.
What is the average net worth in the US by age?
According to the Federal Reserve Survey of Consumer Finances 2022, median net worth by age is roughly: under 35 about $39,000 (the Fed publishes a single under-35 band; the table above splits it into modelled sub-bands of $10,400 under 25, $30,200 at 25-29 and $80,600 at 30-34), 35–44 about $135,600, 45–54 about $247,200, 55–64 about $364,500, 65–74 about $409,900, and 75+ about $335,600. Averages are significantly higher due to wealth concentration at the top.
Should I include my 401(k) in my net worth?
Yes. Your 401(k), IRA, Roth IRA, and other retirement accounts are assets you own and should be included.
While you may face penalties or taxes for early withdrawal, the funds still belong to you and form a core part of your financial picture. Most financial planners include all retirement accounts in net worth calculations.
Does student loan debt count against my net worth?
Absolutely. Student loans are a liability and reduce your net worth dollar-for-dollar.
The average US student loan balance is approximately $37,000. While education may increase your earning potential, the debt itself must be subtracted from your assets to calculate net worth accurately.
How does home equity affect my net worth?
Home equity (your property value minus remaining mortgage) is typically the largest component of American household net worth. The median homeowner has roughly $200,000 in home equity.
However, since you cannot easily access this wealth without selling or borrowing, some planners track net worth both with and without primary residence.
How often should I calculate my net worth?
Quarterly is ideal for most Americans. Monthly tracking can cause unnecessary stress from short-term market swings, while annual checks may miss important trends.
The key is consistency: pick a schedule and stick with it so you can track your progress over time.
What is a good net worth for my age?
A common rule of thumb is to have a net worth equal to your annual salary by age 30, three times your salary by 40, and six times by 50. However, these targets vary widely based on location, career stage, and cost of living.
Comparing yourself to the median for your age group from the Federal Reserve data is more meaningful.
Should I include my car in my net worth?
Most financial planners exclude vehicles from net worth calculations because they depreciate rapidly and are not true investments. However, if you include the value of your car as an asset, you should also include any outstanding auto loan as a liability.
The net effect is usually small.
How does net worth differ from income?
Income is the money you earn over a period of time (salary, dividends, rental income). Net worth is a snapshot of your total financial position at a single point: all your assets minus all your liabilities.
A high income does not guarantee high net worth if spending is equally high, and vice versa.
Does cryptocurrency count toward net worth?
Yes. Cryptocurrency holdings are an asset and should be included at their current market value.
Given the volatility of crypto markets, your net worth may fluctuate significantly if crypto represents a large portion of your portfolio. Use the current market price on the day you calculate.
What is the fastest way to increase net worth?
The three most effective strategies are: (1) pay off high-interest debt, especially credit cards at 20%+ APR, which destroys wealth faster than investments can build it; (2) maximize employer 401(k) match, which is an immediate 50-100% return; and (3) increase your savings rate by even 5% of income, which compounds dramatically over time.
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Further Reading
Watch your percentile move.
Richify tracks every account in one place and re-ranks you against your age band as your net worth grows — so the number above stops being a one-off calculation and becomes a trend line.
Track my net worth free