Net Worth Percentile Calculator
Comparing yourself with everyone is not really a comparison - a thirty-year-old and a sixty-year-old are not in the same race. This leads with your own age group, and gives a range rather than pretending to a precise percentile.
Your net worth
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- Median for your age group
- $0
- Against that median
- $0
- Roughly which percentile
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- Everything you own
- $0
- Everything you owe
- $0
Where the money goes
Each block is sized by its share, so you can see whether against that median or everything you own is the bigger part without reading a single number.
Move it and watch
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at {v} for everything you owe
And what you can change
Why your own figure may differ
Median net worth by age
Notice the peak at 65 to 74 and the fall after it. Spending down in retirement is what that money was built for.
| Age group | Median net worth | Against yours |
|---|
Net worth is everything you own minus everything you owe. The medians shown are from the Federal Reserve's Survey of Consumer Finances for 2022. They are medians for groups, not a continuous curve, which is why this gives a range rather than an exact percentile.
Net worth by age: real examples
Three positions. Click any card to load it.
- Early career
$50,000 at age 30
Some savings, a little debt.
Above the median for the under-35 group, which is $39,040. At this age the direction matters far more than the number.
Load this scenario in the calculator → - Mid career
$250,000 at age 45
A house with equity and a pension.
Almost exactly the median for 45 to 54, which is $246,700. Squarely typical - which is more reassuring than most people expect.
Load this scenario in the calculator → - In the red
Negative net worth at 28
Student loans outweighing savings.
Very common and not a moral failing. What matters is whether the line is rising, not where it sits today.
Load this scenario in the calculator →
Common questions about net worth by age
What counts towards net worth?
Everything you own minus everything you owe. Your home, savings, retirement accounts, cars and investments on one side; mortgage, student loans, car loans and card balances on the other. What is left is your net worth, and it can be negative.
Why does this give a range instead of an exact percentile?
Because the survey behind it publishes medians for groups, not a smooth curve. Any tool that tells you precisely which percentile you are in is inventing precision that does not exist in the data. This gives a band and says so.
Why compare with my own age group?
Because comparing a thirty-year-old with a sixty-year-old on wealth is not really a comparison. One has had thirty more years to save and to let compounding work. Your age group is the only fair benchmark, and it is the one this leads with.
Why does net worth fall after 74?
Because retirement is spending down what you built. The published data shows the median peaking in the 65 to 74 group and falling after it. That is not a failure - it is what a retirement is for.
Is a negative net worth bad?
It is very common early on, especially with student loans or a new mortgage, and it is not a moral failing. What matters is the direction of travel. Someone at minus $20,000 and climbing is in better shape than someone at plus $20,000 and falling.
Should I be chasing a percentile?
No. A percentile is a fact about other people, not a goal. The useful questions are whether your net worth is rising, whether you could survive a bad year, and whether you are on track for what you actually want. Those matter more than a ranking.
The guide behind this calculator
Figures are median net worth from the Federal Reserve's Survey of Consumer Finances, 2022 survey, read from their data explorer on 2026-08-18. The survey runs every three years. These are medians for each group, not a continuous percentile curve. The tool interpolates between the published points to estimate a percentile, and says so on the page rather than implying more precision than the survey provides.