Net worth percentile calculator
Where does your net worth rank among US households? The median is $192,700; the top 10% starts at $1.94M and the top 1% at $13.6M (Federal Reserve Survey of Consumer Finances). Enter yours — and your age, because $100K at 28 and $100K at 60 are very different stories.
| Percentile | Household net worth |
|---|---|
| 10th | $450 |
| 25th | $27,000 |
| 50th (median) | $192,700 |
| 75th | $659,000 |
| 90th | $1.94M |
| 95th | $3.80M |
| 99th | $13.62M |
| Age group | Median net worth |
|---|---|
| Under 35 | $39,040 |
| 35-44 | $135,300 |
| 45-54 | $246,700 |
| 55-64 | $364,270 |
| 65-74 | $409,900 |
| 75+ | $335,600 |
Methodology
Percentile anchors (10th through 99th) are household net worth values from the Federal Reserve's Survey of Consumer Finances 2022 — the definitive US wealth survey, run every three years — as published in Arthur Kennickell's Stone Center analysis of the SCF data. Age-group medians are from the Fed's official SCF bulletin. Between published anchors we interpolate linearly in log-dollars; we do not extrapolate beyond the 99th percentile. Net worth means all assets (home equity, retirement, brokerage, cash, vehicles, business) minus all debts. The next SCF wave will be published in late 2026; values here are the latest official figures.
Frequently asked questions
What net worth puts you in the top 10% of Americans?
About $1.94 million of household net worth reaches the 90th percentile, per the Federal Reserve's Survey of Consumer Finances (2022, the latest full survey). The top 5% starts near $3.8 million and the top 1% near $13.6 million.
What is the median net worth in the US?
$192,700 per household (Fed SCF 2022). By age of household head: under 35: $39,040; 35-44: $135,300; 45-54: $246,700; 55-64: $364,270; 65-74: $409,900; 75+: $335,600. Median means half of households have less — the mean is far higher (over $1 million) because the top of the distribution is extremely concentrated.
What counts as net worth?
Everything you own minus everything you owe: home equity (market value minus mortgage), retirement accounts (401(k), IRA), brokerage and bank accounts, vehicles, business equity — minus all debts (mortgage balance, student loans, credit cards, auto loans). Home equity and retirement accounts are the two largest components for most US households.
Is $1 million net worth rich?
It places a household around the 81st-85th percentile depending on estimation method — wealthier than roughly four of five American households, but well short of the top 10% threshold ($1.94M). Age matters enormously: $1M at 30 is exceptional (over 10x the under-35 median of $39K), while $1M at 65 is about 2.4x the 65-74 median.
How accurate is this percentile estimate?
The anchor values (10th, 25th, 50th, 75th, 90th, 95th, 99th percentiles) come directly from the Federal Reserve's Survey of Consumer Finances 2022 as published by the SCF's longtime director. Between anchors we interpolate in log-dollars, so intermediate percentiles are estimates within a couple of points. Values above the 99th percentile are reported simply as top 1%.
Related tools
Sources: Federal Reserve Survey of Consumer Finances 2022; Kennickell, A. (Stone Center, CUNY). Snowballr provides financial education, not investment advice.