Where do you stack up?
See your net worth percentile vs your age group and country — free, no signup.
Want another country? Email us to suggest one.
Used to project your net worth at the expected return below.
Real return after inflation. 8% is roughly the long-run historical average for a globally diversified equity portfolio.
Enter your age and net worth to see your ranking.
How you compare
How to read your ranking
The fastest way to know where you stand financially is to compare your net worth against people your age. This tool uses public data from the Federal Reserve, ONS, StatCan, ČNB, and Bundesbank to rank you.
Follow these four steps to find your net worth percentile in under a minute.
- 1
Pick your country
Pick the country whose distribution you want to be ranked against. Currency adjusts automatically.
- 2
Enter your age and net worth
Enter your age and your total net worth (assets minus debts). You can subtract liabilities in the collapsible panel.
- 3
See your ranking
Your percentile, the distribution for your age, the median/mean/top-10%/top-1%, and how far you are from the next bracket.
- 4
Share or start tracking
Share your ranking with a personalized image, or start tracking your net worth automatically in the app.
Median net worth by age across countries
A snapshot of median net worth (in each country's native currency) across age brackets, from the most recent published data. Currency is not converted — comparisons are within-country.
| Age | Median | Mean | Top 10% |
|---|
Net worth by age in the United States (SCF 2022)
The medians and means below come straight from the Federal Reserve's 2022 Survey of Consumer Finances — still the newest full wealth-distribution survey available (published October 2023; the 2025 wave's results are expected in late 2026). Percentile thresholds and ranks are derived from the same committed dataset that powers the calculator above.
Net worth under 35: median vs. mean
The median net worth of U.S. households under 35 is $39,000; the mean is $183,500 — 4.7× higher (Federal Reserve SCF 2022, published October 2023, in 2022 dollars). It takes $104,932 to enter the top 25% of this age group and $305,270 to reach the top 10%. A $100,000 net worth already ranks near the 74th percentile.
- Median
- $39,000
- Mean
- $183,500
- Top 25% starts at
- $104,932
- Top 10% starts at
- $305,270
- Top 1% starts at
- $1,619,581
Net worth at 35–44: the biggest jump
Median net worth for ages 35–44 is $135,600 — 3.5× the under-35 median, the largest jump between any two adjacent age brackets in the SCF 2022 data (in 2022 dollars). The mean is $549,600. The top 25% of this bracket starts at $410,483 and the top 10% at $1,016,824; a $100,000 net worth sits near the 46th percentile, just below the median.
- Median
- $135,600
- Mean
- $549,600
- Top 25% starts at
- $410,483
- Top 10% starts at
- $1,016,824
- Top 1% starts at
- $6,247,595
Net worth at 45–54: peak earning years
U.S. households aged 45–54 have a median net worth of $247,200 and a mean of $975,800 (Federal Reserve SCF 2022, in 2022 dollars). These are typically peak earning years, yet half the bracket still holds about a quarter of the mean or less. The top 25% threshold is $821,023, the top 10% threshold $2,063,884, and $100,000 ranks near the 35th percentile.
- Median
- $247,200
- Mean
- $975,800
- Top 25% starts at
- $821,023
- Top 10% starts at
- $2,063,884
- Top 1% starts at
- $11,302,173
Net worth at 55–64: the pre-retirement decade
At ages 55–64 — the last full bracket before typical retirement age — median net worth is $364,500 and the mean is $1,566,900 (SCF 2022, in 2022 dollars). Entering the top 25% takes $1,158,155; the top 10% starts at $2,917,515, roughly eight times the median. A $100,000 net worth ranks near the 28th percentile of this bracket.
- Median
- $364,500
- Mean
- $1,566,900
- Top 25% starts at
- $1,158,155
- Top 10% starts at
- $2,917,515
- Top 1% starts at
- $16,971,568
Net worth at 65–74: the wealth peak
Median net worth peaks at ages 65–74: $409,900, with a mean of $1,794,600 (Federal Reserve SCF 2022, in 2022 dollars). No other age bracket is wealthier at the median. The top 25% of this bracket holds at least $1,176,975 and the top 10% at least $2,935,892; a $100,000 net worth ranks near the 26th percentile.
- Median
- $409,900
- Mean
- $1,794,600
- Top 25% starts at
- $1,176,975
- Top 10% starts at
- $2,935,892
- Top 1% starts at
- $20,128,160
Net worth at 75+: the drawdown years
For households 75 and older, median net worth slips to $335,600 — about 18% below the 65–74 peak as retirees draw down savings (Federal Reserve SCF 2022, in 2022 dollars). The mean is $1,624,100, still 4.8× the median. The top 25% threshold is $976,393, the top 10% threshold $2,751,200, and $100,000 ranks near the 26th percentile.
- Median
- $335,600
- Mean
- $1,624,100
- Top 25% starts at
- $976,393
- Top 10% starts at
- $2,751,200
- Top 1% starts at
- $18,207,222
The 2026 report: four findings from the data
Original observations derived from the SCF 2022 percentile breakpoints (method below). For 2026 context: the Fed's Financial Accounts release of March 19, 2026 puts total U.S. household net worth at $184.1 trillion at the end of 2025, and the quarterly Distributional Financial Accounts (updated March 27, 2026) show aggregate wealth has kept growing since the 2022 survey fieldwork — so current-dollar thresholds likely sit somewhat higher than the 2022-dollar figures on this page. Per-age percentile detail, however, only comes from the triennial SCF; the 2025 survey results are expected in late 2026.
The "average" overstates: the mean is 3.9–4.8× the median at every age
In every SCF age bracket, mean net worth runs 3.9×–4.8× the median, and the gap is widest for the youngest and oldest households. Any article quoting "average net worth" overstates the typical household's position roughly four-fold. Use the median — or better, your percentile rank within your own age bracket.
The same $100,000 means very different things at 25 and 60
A $100,000 net worth ranks near the 74th percentile for under-35 households (top 26%), around the 46th percentile at ages 35–44, and only near the 28th percentile at 55–64. The full per-bracket positions of $100,000 and $1,000,000 are in the table below.
Median wealth more than triples into the 35–44 bracket, peaks at 65–74
The largest median jump between adjacent brackets is under-35 → 35–44: 3.5× ($39,000 → $135,600). Growth then decelerates every decade — +82% into 45–54, +47% into 55–64, +12% into 65–74 — before the median falls 18% from its $409,900 peak for households 75 and older.
"Rich" is age-relative: a top-25% nest egg at 60 is top-3% money at 30
It takes about $1,158,155 to enter the top 25% of 55–64-year-old households. That same $1,158,155 ranks an under-35 household near the 97th percentile — the top 3% of its age group. Your percentile rank against your own age bracket says far more than any single national number.
Where $100,000 and $1,000,000 land at each age (derived from SCF 2022)
| Age | Mean ÷ median | $100,000 lands at | $1,000,000 lands at |
|---|---|---|---|
| Under 35 | 4.7× | 74th percentile | 96th percentile |
| 35–44 | 4.1× | 46th percentile | 90th percentile |
| 45–54 | 3.9× | 35th percentile | 78th percentile |
| 55–64 | 4.3× | 28th percentile | 72nd percentile |
| 65–74 | 4.4× | 26th percentile | 71st percentile |
| 75+ | 4.8× | 26th percentile | 75th percentile |
Methodology & data sources
US medians and means come directly from Table 2 of the Federal Reserve Bulletin "Changes in U.S. Family Finances from 2019 to 2022" (October 2023). Per-bracket percentile breakpoints (p10–p99) are not published by the Fed: p25–p99 come from DQYDJ's third-party tables computed from the SCF 2022 public-use microdata, averaged from 5-year age bands into our 10-year brackets and rescaled (0.90–1.03×) so each bracket's p50 matches the official Bulletin median exactly, while p10 is a log-linear extrapolation from p25 and p50 — the full per-country derivation is in the dataset source notes linked below. Ranks between breakpoints are log-linear interpolations — the exact engine the calculator above uses, so the report and the tool can never disagree.
Sources by country: United States — Federal Reserve Survey of Consumer Finances 2022 (published October 2023; next wave expected late 2026). United Kingdom — ONS Wealth and Assets Survey, Round 8, April 2020–March 2022 (not comparable with earlier rounds after a change to how defined-benefit pensions are valued; accreditation suspended from this round). Canada — Statistics Canada Survey of Financial Security 2023. Czechia & Germany — ECB Household Finance and Consumption Survey, 2021 wave (published July 2023). Poland — Narodowy Bank Polski Household Wealth and Debt Survey (BZGD), 2016 wave; Poland did not take part in the ECB's 2021 wave, so 2016 is the most recent Polish survey.
All US figures are in 2022 dollars and are not inflation-adjusted to 2026. Survey definitions also differ by country — the SCF excludes defined-benefit pension wealth, while the UK and Canadian surveys include it — so cross-country comparisons are indicative only.
Tips to improve your ranking
Small, consistent habits move the needle more than any single financial decision.
Pay yourself first: automate the savings transfer the same day as payroll.
Climbing one percentile per year is realistic if you save 20%+ of after-tax income.
Compounding matters more than picking winners; index funds beat most stock-picking strategies long-term.
Net worth includes your primary residence (minus mortgage). Don't forget retirement accounts and HSAs.
Track monthly. What you measure improves; what you ignore drifts.
Glossary
| Term | Description |
|---|---|
| Net worth | Total assets minus total liabilities. |
| Percentile | A value showing the percentage of people below you on a distribution. |
| Assets | Everything you own that has monetary value — cash, investments, property, vehicles. |
| Liabilities | Everything you owe — mortgage, student loans, credit-card balances. |
| Wealth distribution | The spread of net-worth values across a population, usually shown as deciles or percentiles. |
| Median vs mean | The median is the middle value; the mean is the average. In wealth, the mean is dragged up by the very rich, so median is more representative. |
Frequently asked questions
What counts as net worth?
Net worth is your total assets minus your total liabilities. Assets include cash, investments, retirement accounts, real estate, vehicles, and business equity. Liabilities include mortgages, student loans, credit-card debt, and any other money you owe.
Should I include my primary home, car, 401(k), or pension?
Include your home at current market value and subtract your mortgage. Include retirement accounts (401k, IRA, equivalent) at current balance. Cars depreciate fast — include at a conservative resale value. Defined-benefit pensions are excluded from most public datasets (SCF, HFCS), so we exclude them here too for an apples-to-apples comparison.
Where does the US data come from?
The Federal Reserve Survey of Consumer Finances 2022 (SCF). The full microdata is public. Next update expected in 2026 with the SCF 2025 wave.
Where does the UK data come from?
The Office for National Statistics' Wealth and Assets Survey, Round 8, covering April 2020 to March 2022 — the latest published wave. It covers Great Britain, so Northern Ireland is out of scope. Two caveats the ONS states itself: the method for valuing defined-benefit pension wealth changed from April 2020, so these totals are not comparable with earlier WAS rounds, and accreditation has been suspended from Round 8 onwards while the ONS works on quality. Round 9 has no announced publication date.
Where does the Canadian data come from?
Statistics Canada's Survey of Financial Security 2023.
Where does the Czech data come from?
The Czech National Bank participation in the ECB's Household Finance and Consumption Survey (HFCS), Wave 4, fieldwork 2021.
Where does the German data come from?
The Bundesbank's Panel on Household Finances (PHF), which is the German contribution to the ECB HFCS, Wave 4, fieldwork 2021.
Why don't you have my country yet?
We started with the highest English-search-volume countries (US/UK/Canada) plus our existing Czech, German and Polish audiences. Email us — we'll prioritize countries with the most requests.
What does 'top 10%' actually mean for my age bracket?
It means your net worth equals or exceeds the 90th percentile breakpoint of the wealth distribution for your age bracket in your country, based on the published survey data.
Why is the progression chart on a log scale?
Wealth grows exponentially. On a linear y-axis, the first 20 years would look flat and the last 5 years would dominate the chart. Log scale shows the full trajectory at readable resolution.
Is the savings projection guaranteed?
No. It's a projection based on your chosen expected return (default: 8% real, i.e. inflation-adjusted). The 5–10% real (8% is our default) range is roughly the long-run historical average of a globally diversified equity portfolio. Actual returns will vary; the chart is a planning tool, not a promise.
How is this different from your FIRE Planner?
This tool ranks where you are today. The FIRE Planner answers when you can stop working. They're complementary — once you know your ranking here, the FIRE Planner can map out your timeline to financial independence.
Where does the Polish data come from?
Narodowy Bank Polski's Household Wealth and Debt Survey (BZGD), 2016 wave — Poland's own part of the ECB HFCS, published in złoty. Poland sat out the ECB's 2021 wave, so 2016 is the most recent Polish survey that exists. Polish wages and house prices have risen a lot since, so read the figures as a 2016 baseline rather than today's.
Further reading
Deeper guides on our blog that build on the topics in this tool.
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