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) 2025. This calculator does that for you: it anchors on the published SCF 2025 median for your age and interpolates against 25th/75th/90th/99th-percentile bands that Richify calculated from the Fed's SCF 2025 public microdata (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 about $16.5 million (Richify calculation from the Federal Reserve's SCF 2025 public microdata, 2025 dollars), but by age it varies enormously — the Fed does not publish a 99th-percentile-by-age table. On Richify's calculation from the same SCF 2025 microdata, the 99th-percentile line runs from roughly $2.6M at 30-34 up to about $20.5M at 55-64 and 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 Richify calculations from the Federal Reserve's SCF 2025 public microdata (the Fed publishes the median and mean by age, not the 90th percentile by age): roughly $436K at 30-34, $1.2M at 35-44, $2.6M at 45-54, $3.4M at 55-64, $3.6M at 65-74 and $4.1M at 75+. Nationally, the same microdata puts the overall top-10% net worth line at about $2.55M. The threshold climbs steeply with age because home equity and retirement accounts compound over a working life.

The median household net worth in America was $215,900 in the Federal Reserve SCF 2025 (released 9 October 2026, 2025 dollars), the survey this calculator uses. 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 $1,241,500, 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 ($215,900) 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.

How rich you are for your age is a comparison, not a number — and the comparison that matters is against your own age band, not the country. On SCF 2025 figures, a household net worth of $63,800 is the median at 30-34 (a Richify calculation from the Fed's public microdata) but only about a quarter of the $253,700 median at 45-54, and the same dollar figure that puts a 32-year-old comfortably above their peers leaves a 58-year-old well below theirs. So the same $253,700 can be "rich for my age" or "behind" depending only on when you were born. Enter your age and net worth in the calculator above and it ranks you inside your own band; the national median of $215,900 is shown beside it for context, not as the target.

Compare three things, in this order. First, where you sit in your own age band — above or below its median ($63,800 at 30-34, $253,700 at 45-54, $431,300 at 65-74). Second, the direction of travel: net worth rising year over year matters more at 30 than the absolute number does, because the balance has had almost no time to compound. Third, composition — two households at the same net worth are in very different positions if one holds it as home equity and the other as invested assets, because only one of them can spend it without moving house. This tool answers the first question precisely; the second and third are why a single percentile is a starting point rather than a verdict.

There is no official line, so pick the one that answers your actual question. Against all US households, Richify's calculation from the Fed's SCF 2025 microdata puts the top 10% near $2.55M and the top 1% near $16.5M. Against your own age group the bar moves enormously: the 90th-percentile line runs roughly $436K at 30-34, $2.58M at 45-54 and $3.6M at 65-74. And "rich" in the everyday sense — not needing to work — is a different measure again: it depends on annual spending, not net worth, which is what the Coast FIRE and FIRE calculators below compute. Note the percentile lines are Richify calculations from the Fed's public microdata; the Fed publishes the median and mean by age, not a full percentile table.

It anchors on the published Federal Reserve SCF 2025 median for your age band (35 and older; the under-35 sub-band medians are Richify microdata calculations) and interpolates against 25th/75th/90th/99th-percentile bands that Richify calculated from the Fed's SCF 2025 public microdata, 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 careful calculation, 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 2025 cycle, released 9 October 2026, is the most recent. Figures are in 2025 dollars and include home equity.