Net Worth by Age Percentile Calculator for the USA (2026)
Where does your net worth put you among Americans your age? Enter your number, choose your age group, and see your percentile, built on U.S. Federal Reserve household survey data. No email required, nothing stored.
How to calculate your net worth
Net worth is simple arithmetic: everything you own minus everything you owe. Assets include your home equity, 401(k) and IRA balances, brokerage accounts, business equity, vehicles, and cash. Liabilities include your mortgage, student loans, auto loans, and credit card balances. Subtract one from the other and you have your number. Honest estimates are fine; your percentile will not move over rounding errors.
Include your home, the Federal Reserve data behind this calculator counts primary residences. Include retirement accounts at full current value, even though they are not spendable today.
What the numbers show
In the current data, the median American net worth is about $125,000 for ages 35 to 39, roughly $174,000 for ages 45 to 49, and around $206,000 for ages 55 to 59. In each age group, half of households are above those numbers and half below.
The American distribution has the same shape as most developed countries but with wider spreads: slow accumulation through the 20s and 30s, acceleration through the 40s and 50s as housing equity and retirement accounts compound, a peak near retirement. The distance between median and top percentiles is larger in the US than in Canada, driven mostly by concentrated business equity and market investments at the top.
A percentile is a starting point, not a verdict
People check this number for different reasons. Some want reassurance, some want a target, some are just curious. Whatever brought you here, hold the result loosely. A percentile tells you where you are on one axis, at one moment, against one population. It says nothing about your trajectory, and trajectory is the number that matters. Someone at the 40th percentile at 35 who invests steadily will pass someone at the 70th percentile who does not.
And a word from experience on the other end of the distribution: hitting a high percentile does not resolve as much as you expect it to. I spent 27 years building toward a number, got it, and discovered the interesting questions start after. If that thought lands with you, that is what the rest of this site is about.
Related tools and reading
Frequently asked questions
Should I include my home in my net worth?
Yes. The Federal Reserve survey data behind this calculator includes primary residences. Count your home's market value as an asset and the mortgage balance as a liability.
Do retirement accounts count?
Yes, at full current value. 401(k)s, IRAs, and pensions are all part of household net worth in the underlying data.
Is this individual or household net worth?
Household. If you share finances with a spouse or partner, enter your combined number.
Where does the data come from?
U.S. Federal Reserve household survey data (Survey of Consumer Finances). Tables are updated when new survey rounds are published.
Is my number stored?
No. The math runs in your browser. Nothing is saved or transmitted.