Use this net worth percentile calculator to see where your household net worth ranks in the U.S. Enter your total net worth (everything you own minus everything you owe) to see your percentile and compare with national benchmarks. To compare with your own age group, use the net worth percentile by age calculator.
| Median for -- | -- |
| 75th percentile | -- |
| 90th percentile (top 10%) | -- |
| 99th percentile (top 1%) | -- |
Based on the Federal Reserve's 2022 Survey of Consumer Finances (2022 dollars), our calculation from the public data. Net worth is household assets minus debts, including home equity and retirement accounts.
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’s 2022 Survey of Consumer Finances (SCF), published October 2023, which is the most recent data available. The SCF is conducted every three years (2019, 2022, 2025); results from the 2025 survey are expected to be published in late 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 about $192,700 in the 2022 survey, and the average about $1,059,500, more than five times the median. That gap is the clearest sign of how concentrated wealth is: a relatively small number of very wealthy households pull the average up, while the median shows the typical household.
About 23.7 million families (18% of all families) have a net worth of $1 million or more, and the top 1% of households hold about 35.1% of all household net worth in the survey.
Net Worth Percentiles
| Percentile | Net Worth at or Above |
|---|---|
| 25th | $27,000 |
| 50th (median) | $192,700 |
| 75th | $659,000 |
| 90th (top 10%) | $1,936,900 |
| 95th (top 5%) | $3,795,600 |
| 99th (top 1%) | $13,615,400 |
| 99.9th (top 0.1%) | $62,125,100 |
Source: Federal Reserve, 2022 Survey of Consumer Finances, public data (2022 dollars). Families grouped by the age of the household head; percentiles computed from the survey's weighted records.
Top 1%: you need about $13,615,400. At that level, net worth is mostly business ownership and investments rather than savings from pay. See top 1% net worth.
Top 10%: the threshold is about $1,936,900. That’s reachable for dual-income professional households who save and invest steadily for decades while paying down a home. See 90th percentile net worth.
Net Worth by Age
Net worth is strongly tied to age, so comparing yourself with your own age group is more meaningful than the national median. A 25-year-old with $50,000 is doing well relative to peers; the same amount would be below the median for someone in their 40s.
| Age of Household Head | Median | Average (Mean) | 75th Percentile | 90th Percentile |
|---|---|---|---|---|
| under 25 | $10,100 | $112,100 | $32,900 | $190,800 |
| 25-29 | $30,200 | $120,200 | $129,100 | $291,700 |
| 30-34 | $89,800 | $258,100 | $185,400 | $537,800 |
| 35-39 | $141,200 | $501,300 | $387,700 | $870,600 |
| 40-44 | $134,700 | $590,700 | $436,400 | $1,189,500 |
| 45-49 | $212,800 | $781,800 | $682,700 | $1,428,800 |
| 50-54 | $272,800 | $1,132,500 | $925,000 | $2,530,100 |
| 55-59 | $320,700 | $1,442,000 | $1,125,500 | $2,653,700 |
| 60-64 | $394,000 | $1,675,200 | $1,122,200 | $3,021,000 |
| 65-69 | $394,300 | $1,836,900 | $1,155,000 | $2,898,500 |
| 70-74 | $433,100 | $1,714,000 | $1,209,100 | $2,997,400 |
| 75-79 | $341,300 | $1,629,300 | $991,500 | $3,079,800 |
| 80 and older | $323,000 | $1,612,000 | $935,200 | $2,359,200 |
Source: Federal Reserve, 2022 Survey of Consumer Finances, public data (2022 dollars). Families grouped by the age of the household head; percentiles computed from the survey's weighted records. Five-year groups rest on a few hundred families each, so neighboring bands can cross.
The biggest proportional jump in the median comes between the late 20s and the early 30s: it roughly triples as many households buy homes and retirement balances start to grow. For the full breakdown by age, see average net worth by age.
Net Worth by Income
Wealth rises with income, but income alone doesn’t decide it: saving and investing habits over decades matter as much.
| Income Group (percentile of usual income) | Median Net Worth (2022) |
|---|---|
| Bottom 20% | $14,000 |
| 20th–40th | $71,000 |
| 40th–60th | $159,300 |
| 60th–80th | $307,200 |
| 80th–90th | $747,000 |
| Top 10% | $2,556,200 |
Source: Federal Reserve Bulletin, October 2023, “Changes in U.S. Family Finances from 2019 to 2022,” Table 2.
The Savings Rate Rule
Saving rate is one of the most controllable factors in building net worth. Investing $500 a month for 30 years at a 7% average annual return (compounded monthly) grows to about $610,000 before taxes and fees, though returns are never guaranteed.
Net Worth to Income Ratio
A rule of thumb from The Millionaire Next Door is that your net worth should be about your age × your pre-tax income ÷ 10. A 40-year-old earning $100,000 would target $400,000. Most households fall below it; treat it as a direction, not a verdict.
How to Build Net Worth
| Lever | What It Means | Top Actions |
|---|---|---|
| Earn more | Higher income leaves more to save | Skills development, job changes, side income |
| Spend less | Saving rate is the main driver of early wealth | Budget, keep housing and car costs down |
| 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 erodes net worth | Pay off credit cards, refinance high-rate debt |
For age-based targets, see net worth goals by age.
Sources
- Board of Governors of the Federal Reserve System. “Survey of Consumer Finances” (2022 public data). federalreserve.gov/econres/scfindex.htm
- Federal Reserve Bulletin, October 2023. “Changes in U.S. Family Finances from 2019 to 2022.” federalreserve.gov/publications/files/scf23.pdf
Part of the net worth guide.
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