NetWorthFlow
Interactive Benchmarking

Net Worth by Age Percentile Calculator

Compare your wealth with the real US population. Enter your age and net worth to calculate your percentile ranking based on the Federal Reserve SCF microdata.

Your Profile

Dataset VersionEstimated 2026

Adjusted by +14.0% to account for cumulative US CPI-U inflation between late 2022 and 2026.

30 years old
$100,000.00
$

Type in custom values for negative net worth or amounts exceeding $2M.

Growth Projections

$1,000.00
$
%
An annual real return rate of 7% represents the historical inflation-adjusted returns of the global stock market.
SCF Percentile Score

Your US wealth ranking at age 30:

53.2th percentile

Congratulations! You have accumulated more wealth than 53% of US households within your age bracket.

Household Wealth$100,000.00Age 30 Bracket
0% (Indebted)50% (Median)99% (Top 1%)
You: 53.2%
-$8,794.00$75,924.00 (Median)$3,031,423.00
Median Net Worth$75,924.00For US households age 30.
+$24,076.00 above median
Top 10% (90th)$659,083.00Threshold to enter the top 10%.
$559,083.00 left to reach
In 15 Years (Age 45)$601,857.00Projected percentile: 71.2th
+18.0% percentile ranking change

Wealth Building & Percentile Trajectory

Visualizing future net worth accumulation and percentile ranks year by year.

Net Worth ($)
Percentile (%)
Loading Simulation Chart...

Estimated 2026 Household Net Worth Benchmarks

Below are the estimated net worth percentiles for 2026. These figures take the official Survey of Consumer Finances (SCF) 2022 dataset—which remains the most recently released official survey from the Federal Reserve (with the next official release not expected until late 2026)—and apply a cumulative +14.0% inflation adjustment to represent modern purchasing power in today's dollars.

Age Bracket10th Percentile25th Percentile50th (Median)75th Percentile90th Percentile99th (Top 1%)
Under 35-$11,400.00$4,788.00$44,460.00$172,368.00$443,916.00$2,407,680.00
35–44-$2,280.00$19,380.00$154,584.00$497,040.00$1,197,000.00$4,590,780.00
45–54$1,710.00$36,480.00$281,808.00$843,600.00$2,029,200.00$9,526,296.00
55–64$5,130.00$62,700.00$415,530.00$1,208,400.00$2,941,200.00$16,419,306.00
65–74$10,830.00$94,620.00$467,286.00$1,333,800.00$3,169,200.00$22,022,406.00
75+$9,120.00$63,840.00$382,584.00$1,083,000.00$2,485,200.00$20,478,048.00

Why Benchmark Your Net Worth by Age?

When we talk about personal finance, there is constant anxiety around "am I doing well or am I falling behind?". Seeing numbers like a $200,000 net worth means very different things at age 25 than at age 65. Comparing yourself to your peer group helps benchmark where you stand on the financial lifecycle.

What Is the Federal Reserve Survey of Consumer Finances (SCF)?

The Federal Reserve conducts the Survey of Consumer Finances (SCF) every three years. This is the absolute gold standard for measuring wealth distribution in the United States. Unlike blog posts that list generic averages, our calculator interpolates your exact age dynamically to place you precisely on the percentile curve.

How Do I Move Up to a Higher Net Worth Percentile?

Knowing your current percentile is only the starting point. The real value is projecting how consistent monthly contributions can grow your net worth over time. By compounding your savings at a realistic market rate (e.g., 7% real return), you can see how you'll move up the percentiles relative to the projected wealth curves of future age groups.

Frequently Asked Questions

Key questions about net worth percentiles, Survey of Consumer Finances, and wealth building.

What is a good net worth for my age in the US?
A good net worth is subjective, but comparing yourself to percentiles can provide helpful context. A net worth in the 50th percentile (median) means you have more wealth than half of US households your age. Achieving the 75th or 90th percentile is widely considered strong financial standing, typically indicating significant home equity, retirement accounts, or lack of high-interest debt.
Why is median net worth more realistic than average net worth?
Average (mean) net worth is heavily skewed upward by a tiny percentage of extremely wealthy households (like billionaires). In 2022, while the median net worth of US households was around $192,900, the average exceeded $1 million. The median represents the exact midpoint, offering a much more realistic picture of the 'typical' household.
How does the Federal Reserve define net worth in the Survey of Consumer Finances?
The Survey of Consumer Finances (SCF) calculates net worth by taking the sum of all household financial and non-financial assets (savings, stock portfolios, retirement accounts, real estate equity, businesses, and vehicles) and subtracting all liabilities (mortgages, auto loans, student loans, credit card balances, and personal lines of credit).

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