Use this net worth percentile calculator to see where your net worth ranks in the U.S. Enter your assets and liabilities to estimate your percentile and compare with national wealth benchmarks.
Last updated: April 17, 2026.
Looking for benchmarks and strategy in one place? Start with the complete U.S. net worth guide.
The data in this calculator is from the Federal Reserve Survey of Consumer Finances (SCF) for the year 2023, which is the most recent data available. The SCF is conducted every three years, so new data for net worth percentiles will be released in 2026.
Net worth is calculated as total assets minus total liabilities. Assets include everything you own that has value — home equity, retirement accounts (401k, IRA), brokerage accounts, savings, vehicles, and other property. Liabilities include all debts: mortgages, student loans, credit card balances, auto loans, and any other money you owe. The resulting number is your net worth, and it’s the most comprehensive single measure of financial health.
If you want to see how your individual income percentile compares to others in the U.S. you can use our income percentile calculator. For a breakdown by age, see our net worth percentile by age calculator.
Household net worth in the United States
The median household net worth in the US was $192,084 in 2023. The average net worth in 2023 was $1,059,470 — more than five times the median. This enormous gap between the average and median is the clearest illustration of wealth concentration in America: a relatively small number of extremely wealthy households pull the average dramatically upward, while the median (the midpoint where half of households are above and half below) tells a more grounded story.
For context, a net worth of $192,084 might consist of $120,000 in home equity, $50,000 in retirement accounts, a $15,000 car, and $7,000 in savings. That’s a financially stable household, but far from wealthy by most people’s definition. The average of $1,059,470 is distorted by the roughly 20 million households with net worth above $1 million and the much smaller group (about 1.4 million households) above $10 million.
Household net worth distribution in the U.S.
This chart shows the distribution of wealth in the US by percentile. The top 0.1% of households hold 13.80% of the wealth in the United States. The top 1.0% of households in the U.S. account for 30.80% of all the wealth in the United States as of 2024.
Top 1% household net worth in the US
To be considered in the 99th percentile or top 1% of household net worth in the US you need at least $13,666,778 in 2023. This is a staggering threshold that illustrates just how concentrated wealth is at the top. At this level, net worth is almost entirely driven by investment portfolios, business ownership, and real estate holdings rather than savings from employment income. Many top-1% households derive more annual income from capital gains and dividends than from salary.
Top 10% household net worth
The 90th percentile or to be considered in the top 10% of households for net worth the threshold is $1,920,758. While this is a substantial amount, it’s achievable for dual-income professional households who started saving and investing in their 20s or 30s. A couple who maxed out their 401(k) contributions for 25 years while owning a home in an appreciating market could realistically reach this level by their mid-50s to early 60s without any inheritance or extraordinary income.
Individual net worth by age in the United States
The net worth of an individual is highly correlated to age, which is why comparing your net worth against your own age group gives a much more meaningful picture than comparing against the national median. A 25-year-old with $50,000 in net worth is doing exceptionally well relative to peers, but that same number would be below the median for someone in their 40s.
For example, the median net worth of an individual between the ages of 18-24 is $10,222, which is the lowest of all age brackets for many reasons including this age bracket includes students with debt and individuals fresh to the workforce. Compare this to an age bracket of 35-39 which has a median net worth of $138,588.
Average net worth by age
These are the average net worth of individuals in the United States broken down by age category for 2023. As with household data, averages are heavily skewed by high-net-worth individuals in each age group. The gap between average and median grows dramatically with age — for the 50-54 bracket, the average ($1,132,497) is over four times the median ($266,140), reflecting the widening wealth disparity that occurs as some individuals accumulate substantial investment portfolios and business equity while others don’t.
- 18-24: $112,104
- 25-29: $120,183
- 30-34: $258,075
- 35-39: $501,295
- 40-44: $590,710
- 45-49: $781,936
- 50-54: $1,132,497
- 55-59: $1,441,987
- 60-64: $1,675,294
- 65-69: $1,836,884
- 70-74: $1,714,085
- 75-79: $1,629,275
- 80+: $1,611,984
Median net worth by age
These are the median net worth of individuals by age group for 2023 in the United States. The median is a much better benchmark for “typical” Americans at each age. Note the sharp jump between 25-29 ($31,470) and 30-34 ($88,631) — this is when homeownership typically begins, and home equity often represents the single largest component of net worth for Americans in their 30s and 40s.
- 18-24: $10,222
- 25-29: $31,470
- 30-34: $88,631
- 35-39: $138,588
- 40-44: $134,382
- 45-49: $213,586
- 50-54: $266,140
- 55-59: $321,074
- 60-64: $392,860
- 65-69: $393,480
- 70-74: $438,700
- 75-79: $338,180
- 80+: $327,200
Net worth percentile by age
Net worth varies dramatically by age as wealth accumulates over a lifetime of earning, saving, and investing. Younger age groups typically have lower net worth due to student debt, lower incomes, and less time for investments to compound. Peak net worth is typically reached between ages 65 and 74 as retirement savings, home equity, and investment portfolios reach their highest values.
For a detailed breakdown of net worth percentiles across all age groups, use our net worth percentile by age calculator which provides data for the 25th, 50th, 75th, 90th, and 99th percentiles for each age bracket.
Source: Federal Reserve Survey of Consumer Finances (SCF) 2023
Net Worth by Income Level
Wealth accumulation correlates strongly with income, but income alone doesn’t determine net worth. High-income households with poor savings habits often have lower net worth than moderate-income households with disciplined saving and investing over decades.
Median Net Worth by Income Percentile (2023)
| Income Percentile | Income Range | Median Net Worth | Ratio (NW/Income) |
|---|---|---|---|
| Bottom 20% | Under $25,000 | $7,800 | 0.3x |
| 20-40th % | $25,000-$48,000 | $37,600 | 1.0x |
| 40-60th % | $48,000-$85,000 | $126,000 | 2.0x |
| 60-80th % | $85,000-$145,000 | $242,900 | 2.3x |
| 80-90th % | $145,000-$225,000 | $492,100 | 2.7x |
| 90th %+ | Over $225,000 | $1,920,758 | 6.5x |
Source: Federal Reserve Survey of Consumer Finances, 2023.
The Savings Rate Rule
Saving rate is the single most controllable factor in building net worth. A household saving 20% of income and investing it in diversified index funds will accumulate net worth faster than a higher-income household saving 5%. The math is straightforward: every $500/month invested for 30 years at 7% average return compounds to approximately $567,000.
The Federal Reserve SCF data consistently shows that households with similar incomes can have net worth varying by 10x or more — almost entirely explained by savings rate and investment discipline rather than income level.
Net Worth to Income Ratio (“Your Number”)
Financial planners often use a simple rule of thumb: your net worth should roughly equal your age × income ÷ 10. A 40-year-old earning $100,000 targets $400,000. This is aspirational — most Americans fall below it — but it provides a useful directional benchmark.
How to Build Net Worth
Net worth grows by increasing assets, reducing liabilities, or both. These are the most impactful strategies at each income level:
The Five Net Worth Levers
| Lever | What It Means | Top Actions |
|---|---|---|
| Earn more | Higher income = more to save | Skills development, job switching, side income |
| Spend less | Saving rate is the #1 driver of early wealth | Budget, cut housing/cars costs |
| Save systematically | Automate savings before you can spend | 401(k) auto-contribution, automatic transfers |
| Invest effectively | Compound growth on savings | Low-cost index funds, tax-advantaged accounts |
| Manage debt | High-interest debt destroys net worth | Pay off credit cards, refinance high-rate debt |
Net Worth by Decade: What’s “On Track”
| Age | 25th Percentile | Median | 75th Percentile | “On Track” Goal* |
|---|---|---|---|---|
| 25 | -$5,000 | $10,222 | $35,000 | $25,000 |
| 30 | $6,000 | $31,470 | $90,000 | $75,000 |
| 35 | $15,000 | $88,631 | $215,000 | $150,000 |
| 40 | $35,000 | $134,382 | $400,000 | $275,000 |
| 45 | $60,000 | $213,586 | $600,000 | $450,000 |
| 50 | $90,000 | $266,140 | $800,000 | $650,000 |
| 55 | $130,000 | $321,074 | $1,000,000 | $900,000 |
*“On Track” goal assumes 1x income at 30, increasing to 10x income by retirement.
Sources
- Board of Governors of the Federal Reserve System. “Survey of Consumer Finances (SCF).” federalreserve.gov/econres/scfindex.htm
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