Net Worth Percentile Calculator for the USA (2026)
Where does your net worth rank among American households? Enter your number and this calculator places you on the national distribution, from the bottom of the scale to the top fraction of a percent. It runs on the Federal Reserve's 2022 Survey of Consumer Finances, entirely in your browser. Nothing you type is stored.
How to calculate your net worth
Net worth is everything you own minus everything you owe. Add your assets: home equity, retirement accounts, brokerage and bank balances, business equity, vehicles. Subtract your liabilities: mortgage, student and auto loans, credit card balances. The number left over is your net worth. Honest estimates are fine, since rounding will not move your percentile.
What the numbers show
In the 2022 data, the median American household net worth is about $192,700. A quarter of households sit below roughly $27,000, and three quarters sit below about $659,000. The 90th percentile is near $1,936,900, and the top one percent begins around $13,615,400. The distance between the middle and the top is enormous, which is why a single percentile is more useful as a rough placement than a precise score.
The gap widens fast at the top, driven by concentrated business equity and market investments. Small changes to your number move your percentile most in the middle of the distribution, where households are densely packed.
A percentile is a starting point, not a verdict
People check this number for reassurance, for a target, or out of plain curiosity. Whatever brought you here, hold the result loosely. A percentile tells you where you stand on one axis, at one moment, against one population. It says nothing about your trajectory, and trajectory is the number that matters.
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Frequently asked questions
Should I include my home in my net worth?
Yes. The Survey of Consumer Finances counts primary residences. Add your home's market value to your assets and your remaining mortgage to your liabilities.
Is this individual or household net worth?
Household. The Federal Reserve data measures net worth per household, so enter your combined household figure.
Where does the data come from?
The U.S. Federal Reserve's 2022 Survey of Consumer Finances, the standard source for U.S. wealth distribution. Figures are weighted household net worth in 2022 dollars.
Is my number stored?
No. The calculation runs entirely in your browser. Nothing you enter is saved or sent anywhere.