Where you actually stand.
Enter your age and net worth. See your percentile rank against your age cohort — based on Federal Reserve Survey of Consumer Finances data.
Each point on the curve is a net worth level and what percentile it represents for your age cohort. Your dot is where you stand.
What "net worth percentile" really tells you.
Percentile is a rank, not a target. Sitting at the 75th percentile means you've out-saved roughly 3 out of every 4 people your age — useful as a reality check, but not as a destination. The point is to use the rank to calibrate whether your trajectory matches your goals, then make moves accordingly.
The data is a hybrid of two Federal Reserve sources: percentile anchors from the Survey of Consumer Finances (SCF) 2022 — the most authoritative net worth dataset published in the US, based on detailed interviews with ~6,000 households re-weighted to represent the full population by age — inflation-adjusted to Q4 2025 levels using band-specific aggregate growth rates from the Fed's quarterly Distributional Financial Accounts (DFA). The DFA tracks total household wealth held by the Top 1% / Next 9% / Next 40% / Bottom 50% bands and updates every quarter, so it bridges the 3-year SCF release gap. The SCF includes everything: home equity, retirement accounts, vehicles, business interests, minus all liabilities. The 2025 SCF wave releases ~October 2026; this calculator will be re-baselined against the fresh data at that point.
Net worth grows non-linearly with age, mostly because compounding takes decades to do real work. The median 25-29 year old has about $31K. By 50-54, the median is $266K — a roughly 9× jump over 25 years, mostly from retirement contributions compounding + mortgage paydown. The 90th percentile by age 50-54 is $2.6M — also mostly from compounding, just with a higher savings rate and longer time horizon.
Negative net worth is normal in your 20s. Recent grads with student loans, credit card debt, and zero assets routinely have net worths between -$30K and +$5K. The 10th percentile for 25-29 year olds in 2022 was approximately -$10K. Climbing from negative to positive net worth is itself a major financial milestone — typically takes 2-4 years post-graduation depending on income and debt load.
What this calculator doesn't capture: regional cost of living (a $200K net worth in Cleveland buys very different security than $200K in Manhattan), pension value (often invisible on personal balance sheets but real), expected inheritance, business equity that's hard to value, or your trajectory (a 30-year-old with $50K but 25% savings rate is in much better shape than a 30-year-old with $100K and zero savings rate). Use the percentile as a snapshot, not a verdict.