Snowballr Open Data
Free, machine-readable personal finance datasets curated by Snowballr. Sourced from primary government and academic data (Federal Reserve, NYU Stern, BLS, Robert Shiller, and the Trinity Study). Snowballr's compilation and derived calculations are CC-BY 4.0 where indicated; source datasets retain their own terms. Cite as: Snowballr Open Data catalog, https://snowballr.io/data, retrieved [date].
Each dataset below is a JSON Dataset (schema.org/Dataset) with explicit citation, creator, publisher, license, and primarySource fields. The hub itself publishes a DataCatalog schema. Direct download URLs are stable. Please cite Snowballr as the curator when reusing — original primary sources are listed inside each file.
Median US Net Worth by Age Cohort (2022 SCF)
Median and mean US household net worth across six age cohorts from the Federal Reserve's 2022 Survey of Consumer Finances. Values are rounded to the nearest $100 in 2022 dollars. Six rows, CSV-friendly JSON; the existing filename is retained for URL compatibility.
| Age cohort | Median net worth | Mean net worth |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35–44 | $135,600 | $549,600 |
| 45–54 | $247,200 | $975,800 |
Snowballr (2026). Median US Net Worth by Age Cohort (2022 SCF) [Dataset]. Snowballr Open Data. https://snowballr.io/data/median-net-worth-by-age-us-2025.jsonYears to Financial Independence by Savings Rate
Years required to reach 25× expenses (4% rule FI target) as a function of take-home savings rate. Twelve rows from 5% to 75% savings rate. Assumes 5% real return.
| Savings rate | Years to FI | Retire by age (start at 25) |
|---|---|---|
| 5% | 66 | — |
| 10% | 51 | 76 |
| 15% | 43 | 68 |
Snowballr (2026). Years to Financial Independence by Savings Rate [Dataset]. Snowballr Open Data. https://snowballr.io/data/years-to-fire-by-savings-rate.jsonS&P 500 Annualized and Cumulative Returns by Decade (1930-2025)
Nine completed decades plus the 2020-2025 partial. Compare nominal and CPI-U-adjusted annualized and cumulative total returns with dividends reinvested. Source: Damodaran's 1928-2024 historical series, his 2026 update for 2025, and BLS CPI-U.
| Decade | Nominal annualized | Nominal cumulative | Real annualized | Real cumulative |
|---|---|---|---|---|
| 1930s | -0.9% | -8.9% | 1.1% | 12.1% |
| 1940s | 8.5% | 126.2% | 2.8% | 32.1% |
| 1950s | 19.5% | 491.9% | 17.1% | 384.1% |
Snowballr (2026). S&P 500 Annualized and Cumulative Returns by Decade (1930-2025) [Dataset]. Snowballr Open Data. https://snowballr.io/data/sp500-real-returns-by-decade.jsonS&P 500 Annual Total Returns by Year (1928-2025)
Calendar-year total returns with dividends reinvested, annual CPI-U inflation and derived CPI-adjusted returns. Rates are decimal values. Pre-launch history is hypothetical/back-tested; the 1957 annual observation includes dates before the index launched on March 4. Historical data are descriptive, not a forecast.
| Year | Nominal total return | Annual CPI-U inflation | Real total return | Pre-launch period included |
|---|---|---|---|---|
| 1928 | 43.81% | -1.17% | 45.51% | Yes |
| 1929 | -8.30% | 0.00% | -8.30% | Yes |
| 1930 | -25.12% | -2.34% | -23.33% | Yes |
Snowballr Research Team (2026). S&P 500 Annual Total Returns by Year (1928-2025) [Dataset]. Snowballr Open Data. https://snowballr.io/data/sp500-annual-returns.jsonS&P 500 Rolling Total Returns by Holding Period (1928-2025)
Complete 10-, 20-, and 30-year windows from the annual total-return series. Each row includes the window years, nominal and CPI-U-adjusted CAGR, nominal and real ending-value multipliers per $1, and cumulative inflation. Dividends are reinvested annually; fees, taxes and bid/ask costs are excluded.
| Window | Start | End | Nominal CAGR | Real CAGR |
|---|---|---|---|---|
| 10 years | 1928 | 1937 | −0.62% | 1.22% |
| 10 years | 1929 | 1938 | −1.67% | 0.24% |
| 10 years | 1930 | 1939 | −0.92% | 1.15% |
Snowballr Research Team (2026). S&P 500 Rolling Total Returns by Holding Period (1928-2025) [Dataset]. Snowballr Open Data. https://snowballr.io/data/sp500-rolling-returns.jsonSnowballr FIRE Index 2026 (State-Level Composite)
Original composite 0-100 index ranking US states for starting a FIRE pursuit in 2026. Combines real income surplus, state tax burden inverse, and Shiller CAPE market entry climate. Fifteen representative states.
| Rank | State | FIRE Index |
|---|---|---|
| 1 | Tennessee | 66.7 |
| 2 | South Dakota | 64.0 |
| 3 | Florida | 63.7 |
Snowballr (2026). Snowballr FIRE Index 2026 (State-Level Composite) [Dataset]. Snowballr Open Data. https://snowballr.io/data/snowballr-fire-index-2026.jsonDebt Snowball vs Avalanche: 1,000 Synthetic Profiles
Corrected monthly-amortization outputs for 1,000 synthetic debt profiles with equal monthly budgets and permanent payment rollover. Exact starting debts, completion flags and remaining balances support reproduction; 6 unfinished profiles are excluded from payoff comparisons.
| Profile | Debts | Total balance | Weighted APR | Snowball months | Avalanche months |
|---|---|---|---|---|---|
| 1 | 4 | $45,179.39 | 12.08% | 52 | 52 |
| 2 | 4 | $33,284.55 | 18.23% | 54 | 52 |
| 3 | 3 | $59,388.69 | 7.84% | 51 | 51 |
Snowballr Research Team (2026). Debt Snowball vs Avalanche: 1,000 Synthetic Profiles [Dataset]. Snowballr Open Data. https://snowballr.io/data/debt-snowball-vs-avalanche-1000-profiles.json10,000 Compound Interest Scenarios
Deterministic 30-year monthly-compounding scenarios varying starting balance, monthly contribution and nominal annual rate. Rows are synthetic model outputs, not observed investor accounts or forecasts; the fixed seed and assumptions are included in both downloads.
| Scenario | Start | Monthly | Annual rate | Final value |
|---|---|---|---|---|
| 1 | $40,446 | $860 | 4.40% | $791,796.33 |
| 2 | $51,447 | $1,547 | 7.37% | $2,497,008.03 |
| 3 | $451 | $1,396 | 7.51% | $1,889,835.08 |
Snowballr Research Team (2026). 10,000 Compound Interest Scenarios [Dataset]. Snowballr Open Data. https://snowballr.io/data/compound-interest-10000-scenarios.jsonHow to cite
For page-specific APA, MLA and BibTeX examples, see the Snowballr citation guide.
APA
Snowballr. (n.d.). [Dataset title]. Snowballr Open Data. Retrieved [date], from https://snowballr.io/data
MLA
"[Dataset title]." Snowballr Open Data, Snowballr, n.d., https://snowballr.io/data. Accessed [date].
BibTeX
@misc{snowballr_data,
author = {{Snowballr Research Team}},
title = {Snowballr Open Data Catalog},
url = {https://snowballr.io/data},
note = {CC-BY 4.0}
}More original research
These datasets power our calculators and inform our research studies — including a 10,000-scenario AI-vs-publisher comparison, a 1,000-profile snowball vs avalanche study, and a 5,000-scenario mortgage-prepay vs invest analysis.