Net Worth Calculator 2026
See Your US Percentile by 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.