Net Worth Percentile Calculator (US)

Your net worth percentile is the share of American households in your age group with less wealth than you. To calculate it: (1) add up all your assets — home, 401(k), IRA, Roth, brokerage, HSA, cash, vehicles; (2) subtract all liabilities — mortgage, auto loan, student loans, credit cards; (3) compare the result to the median net worth for your age band from the Federal Reserve's Survey of Consumer Finances (SCF) 2022. This calculator does that for you: it anchors on the published SCF 2022 median for your age and interpolates against modelled 25th/75th/90th/99th-percentile bands (the Fed publishes the median and mean by age, not the percentiles), returning your approximate percentile against a distribution that includes home equity.

Nationally the top-1% household net worth line is roughly $11–13 million (SCF 2022), but by age it varies enormously and the by-age figures are modelled estimates — the Fed does not publish a 99th-percentile-by-age table. On Richify's modelling anchored to the SCF medians and means, the 99th-percentile band runs from roughly $3.2M at 30-34 up to about $19M at 55-64 and $21M at 65-74. The gap between the top 10% and the top 1% widens sharply with age because decades of compounding act on an already-large base.

It depends heavily on age. The by-age top-10% thresholds are modelled estimates (the Fed publishes the median and mean by age, not the 90th percentile by age): roughly $500K under 35, $1.2M at 35-44, $2.1M at 45-54, $3.3M at 55-64, and $3.7M at 65-74. Nationally, the SCF puts the overall top-10% net worth line at about $1.9M. The threshold climbs steeply with age because home equity and retirement accounts compound over a working life.

The median household net worth in America is $192,900 (Federal Reserve SCF 2022, the most recent survey as of 2026). The median is the 50th percentile — exactly half of US households have more, half have less. It's a far better 'typical American' benchmark than the mean (average) of $1,063,700, which is pulled up dramatically by the wealthiest households. For personal benchmarking always compare to the median for your age.

Yes. The SCF figures this calculator uses include home equity (market value minus mortgage) and all retirement accounts — 401(k), IRA, Roth and pensions. For younger Americans the home and retirement accounts are usually the largest assets. If you want your 'investable' or 'liquid' percentile — the assets that fund an early retirement — subtract your home equity before comparing and expect a noticeably lower percentile, because so much of American household wealth is tied up in primary residences.

Both are useful, and this tool shows your age-band percentile because it's the fairer comparison. A 28-year-old with $150,000 and a 58-year-old with $150,000 are in very different positions — the 28-year-old is well above their age-band median while the 58-year-old is far below theirs. Comparing only to the national median ($192,900) penalises younger savers who simply haven't had decades to compound. The calculator above ranks you against your own age group; the national median is shown alongside for context.

It anchors on the published Federal Reserve SCF 2022 median for your age band — which is exact — and interpolates against modelled 25th/75th/90th/99th-percentile bands, because the Fed publishes the median and mean by age but not the full percentile distribution by age. So the median line is authoritative and the spread around it is a reasonable estimate, not an official figure. The SCF surveys over 6,000 households every three years and oversamples wealthy households for accuracy at the top of the distribution; the 2022 cycle is the most recent as of 2026 (the next is expected in 2025 data, released ~2026). Figures are nominal USD and include home equity.