Net Worth Percentile Calculator
See where you stand vs. other U.S. families (SCF primary economic units) for your age. Select an exact age — we blend Federal Reserve survey age bands — and get a weighted percentile (one decimal is display precision, not extra survey accuracy).
Methodology & Data Sources
Data Source
Based on the Federal Reserve Survey of Consumer Finances (SCF) 2022, released October 2023. The public-use file has 4,595 families (4,602 completed interviews, with seven cases omitted from the public release), each with five implicates (22,975 rows). Weights reflect the complex sample design.
Estimator & multiple imputation
For each age bracket we compute weighted net worth percentiles on a 0.5-point grid (plus extreme knots) separately for each implicate, then average those percentiles across implicates. This is a simple combined point estimate; we do not report Rubin-style combined variance or confidence intervals.
Inflation Adjustment
Current dollar values are CPI-adjusted using Bureau of Labor Statistics CPI-U data (2022 annual avg: 292.655, March 2026: 330.293, factor: 1.1286). Toggle to view original 2022 values.
Age Interpolation
The extract uses age brackets that are mostly five years wide (18–24 and 80+ are exceptions). This calculator uses linear interpolation between bracket midpoints to estimate thresholds for exact ages. The percentile, benchmarks, and chart all use the same blended wealth curve.
Privacy
Net worth and age stay on your device for the SCF comparison. If you use optional ZIP income adjustment, only the ZIP you enter is used to look up published Census income figures; your net worth is not sent for that step.
Statistical limits
Shown percentiles are point estimates. One decimal place is display resolution, not implied survey precision. Net worth above the highest stored percentile knot is mapped through a short extrapolated tail below 100% — not a fitted tail model.
Caveats (SCF unit)
Comparisons are to SCF primary economic units (families in a financial sense), not Census households. SCF net worth excludes the capitalized value of defined benefit pension plans. Upper percentiles in younger age bands have limited sample sizes.
Optional ZIP income adjustment
If you enable it and enter a 5-digit ZIP, we look up U.S. Census Bureau ACS median household income (table B19013) for the ZCTA and for the United States. We try ACS 5-year 2022 first, then 2021 if the row is missing. USPS ZIP codes do not always align with a single ZCTA. We scale the national SCF net-worth curve by the income ratio, with caps so extreme local medians do not dominate the comparison.
In cross-sectional data like the SCF, household income and net worth are positively correlated—higher earners tend to have more wealth on average—but the link is far from one-to-one. Net worth also reflects saving behavior, gifts and inheritances, asset returns, and debt. That is why scaling the national wealth curve by a local median-income ratio is a rough proxy (aligned with the correlation in spirit) rather than a substitute for place-specific wealth distributions.
Net Worth Benchmarks by Age (2026 Dollars)
Key percentile thresholds from the Federal Reserve SCF 2022, CPI-adjusted to March 2026. Figures refer to SCF primary economic units (families) for each listed age, using the same midpoint blend as the calculator.
| Age | 25th %ile | 50th %ile (Median) | 75th %ile | 90th %ile |
|---|---|---|---|---|
| 25 | $2,854 | $26,594 | $109,361 | $286,051 |
| 30 | $9,031 | $73,413 | $183,866 | $496,286 |
| 35 | $16,058 | $133,189 | $341,126 | $821,954 |
| 40 | $23,252 | $152,079 | $466,775 | $1.2M |
| 45 | $42,189 | $203,200 | $652,096 | $1.5M |
| 50 | $57,106 | $274,749 | $919,915 | $2.4M |
| 55 | $81,293 | $336,070 | $1.2M | $3.0M |
| 60 | $92,334 | $409,448 | $1.3M | $3.3M |
| 65 | $81,746 | $442,370 | $1.3M | $3.4M |
Source: Federal Reserve Survey of Consumer Finances 2022 (SCF), CPI-U adjusted to March 2026 (same basis as the methodology section).
Frequently Asked Questions
- What is a net worth percentile?
- A net worth percentile tells you what share of comparison families have less wealth than you. Being in the 70th percentile means your net worth is higher than 70% of U.S. families (SCF primary economic units) in the same age comparison used for your selected age.
- What is an SCF primary economic unit (PEU)?
- The Survey of Consumer Finances reports wealth for a primary economic unit — the economically dominant person or couple in a household and others who depend financially on them. It is similar to a Census household but not identical. See the Federal Reserve SCF site and codebook for full definitions.
- Where does my data go when I use this calculator?
- Net worth and age stay on your device for the percentile calculation. If you turn on optional ZIP income adjustment, only your five-digit ZIP is used to look up published U.S. Census Bureau income statistics; your net worth is not part of that lookup.
- What is the average (median) net worth in America?
- In the Federal Reserve's 2022 Survey of Consumer Finances, median net worth for all families was about $193,000 in 2022 survey dollars (roughly $219,000 in March 2026 dollars using the same CPI-U adjustment as this calculator). Median net worth varies sharply by age—in our SCF-based brackets, the median is under $15,000 for ages 18–24 and above $400,000 for ages 65–69 (March 2026 dollars).
- Why does this calculator use age-specific percentiles?
- Net worth accumulates over a lifetime through saving, investing, and compound growth. Comparing yourself to all Americans regardless of age isn't meaningful—a 55-year-old has had decades more time to accumulate wealth than a 25-year-old. Age-specific percentiles give you a fair comparison against your peers.
- What counts as net worth?
- Net worth is your total assets minus your total liabilities. Assets include checking and savings accounts, investments, retirement accounts (401k, IRA), home equity, vehicles, and other property. Liabilities include mortgage balances, student loans, credit card debt, and other loans. The SCF does not include the capitalized value of defined benefit (pension) plans.
- Is this data up to date?
- This calculator uses the Federal Reserve's Survey of Consumer Finances (SCF) 2022 — the most recent release available as of 2026. The dollar values are CPI-adjusted to March 2026 using Bureau of Labor Statistics CPI-U data, so the thresholds reflect current purchasing power.
- What is a good net worth at my age?
- There's no single answer, but a common rule of thumb is to have saved 1× your annual salary by age 30, 3× by 40, 6× by 50, and 8–10× by 65. Reaching the 50th percentile for your age band means you're ahead of half of SCF families in that comparison. Reaching the 75th percentile puts you solidly above average for that band.
- What does the optional ZIP income adjustment do?
- It is not net worth data for your ZIP. The calculator still uses the national Federal Reserve SCF wealth curve by age. When you turn the option on and enter a ZIP, we look up median household income (Census ACS table B19013) for that ZIP code tabulation area (ZCTA) and the U.S. median. We try ACS 5-year 2022 first, then 2021 if the row is missing. We form a ratio (clamped to reduce outliers), and multiply every dollar on the national comparison curve by that ratio. Your entered net worth stays the same; we only move the yardstick. Income is a rough proxy for area context, not local wealth microdata.