Net Worth by Age Percentile Rank Calculator [USA]

Rank your net worth to specific age groups to see where you stand or where you project yourself to be in the future. Use the percentiles to compare your net-worth to US households using data from 2013. To use this calculator, enter the age ranges of the head of households you would like to restrict your comparison to and a net worth value to rank with in that age range. Read about how closely this calculator matches official US Treasury published statistics.

If you need help calculating your net worth, try out How to Calculate your Net Worth for a guided tool.  It will ask for you assets, such as stocks and savings accounts, and subtract your liabilities, such as loans, to figure out your net worth for you.  You can take that number back to this page to compare your net worth to others.

Starting Comparison Age:
Ending Comparison Age:
Networth: $

Net Worth Summary Statistics for Households Aged 18 to 34

Net Worth Percentile Rank : A net worth of $0.00 for ages 18 to 34 ranks at the 26.34%
Median Net Worth : $10,460.00
Mean Net Worth : $75,564.00
Net Worth 25th - 75th Percentile Ranges : $0.00 to $47,180.00

Net Worth Percentiles by Age

For reference, here is how much money you would have to have to rank at certain percentiles for ages 18 to 34
90% $159,330.00  
75% $47,180.00  
50% $10,460.00  
25% $0.00  
10% -$19,490.00   
If you are interested in tracking your net worth over time, I use Personal Capital - The Flexible, Smart Alternative to Quicken (Sponsored Link). Personal Capital will securely connect to your accounts and archive account values so that you can track and optimize your progress in saving. It is free for tracking, but they charge a fee if you want them to manage your assets with a robo-investor.

Net Worth Visualizations

You are in the top 27 percentile. If there were 100 households within the nation who's head of households were between the ages of 18 to 34. 73 households would be have higher wealth than you. 26 households would have lower wealth than your household.

The bubbles represent households and are scaled by household net worth, but they are not fully proportional due to the space required.

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These results are based off of 1032 individual samples where the head of household was age 18 to 34 and are weighted to represent 25436195 American households. The SCF is known to be slightly biased towards higher incomes values, which the Federal Reserve attempts to correct for by adjusting the weighting of each individual response. Keep this in mind if the number of responses your output is based off of is low, or if you are looking at the tail ends of the data--like the top 1% or bottom 1%.

The numbers are based off of the results of the 2013 Survey of Consumer Finances by the Federal Reserve. I used R to separate one of the five imputations with the sample replicatant weights from the Federal Reserve. If you want to do your own analysis check out the raw data, and also check out this guide on how to import the data into R The number of samples per age vary quite a bit, so you might get unusual results for certain ages.

Net Worth Articles

One interesting tid-bit about net worth is that the median net worth for a 30 year old has dropped by over half in the last 10 years.
Read about the overall distribution of net worth by age.

48 thoughts on “Net Worth by Age Percentile Rank Calculator [USA]”

  1. Is this a personal networth, or family networth? From what I can tell from the federal link, it is a family networth, not personal.

        1. So it’s a little hard to do a direct comparison to individuals, since as people age they are more likely to be married. If you were to do a comparison versus only single adult households, their networths and incomes tend to skew lower partially because of the lower marriage rates of lower income & educated Americans.

  2. When calculating net worth are anticipated liabilities such as income tax on retirement accounts and capital gains on investment properties typically backed out by your respondents? It would skew results if some did and others did not.

    1. The source survey does not take that into account, probably because of the variability/complexity in each person’s tax situation.

  3. Maybe I missed something, but I have two questions.

    Are pension accruals counted in this calculation?

    Any thought to account for pre vs post tax?

  4. Hi, do you think you will be able to do the percentiles financial wealth calculator (financial wealth in SCF include retirement acts, 401k, cash/savings, stocks, bonds, etc)?

  5. Income compared to net worth would be interesting especially when
    differences would be shown.

    What net worth would one need to be in the top one per cent?

    What income?

  6. Ma’s point is a good one. When using your net worth calculator, my net worth comes out quite a bit higher than the bank’s did when we recently purchased a rental investment property. They gave us only 70% of my 403b account value – which I thought was low – most obviously because about 11% of it in a Roth account – but also because a 30% tax estimation is only close for the marginal tax rate.

  7. Can someone help me out here. I have a pension that will be work 40,000 a year which I can start collecting in three years at age 60. Assuming I collect this for 30 years, what is it the Net Present Value of this pension?

      1. You didn’t account the fact that the pension only pays for 30 years and he won’t be receiving it until he turns 60.

        The correct NPV should be 0/1.045^0 +0/1.045^1 +0/1.045^2 +40000/1.045^3 … +40000/1.045^33, assuming the discount rate is 4.5%

        I ran these numbers on excel and got $606,008.

    1. Penison is income, not used in net worth calculation. If you die tomorrow then you do not collect or pass a lump sum on to another (except maybe some spousal benefit). Same would apply to “future inheritance”. It ain’t yours, till it is yours.
      Bottom line, net worth is what you have saved, not what you can spend.

      Former banker and CPA.

  8. Thanks for this calculator!! Curious, does the data include the average number of adults per household or maybe income earners? For the single/live alone in the audience, our household percentile may not reflect our true situation when there in only a need to feed one mouth.

  9. Great site. Possible other considerations:
    For people with pensions, fireman, police etc. some suggestion to calculate the value consistently would be useful. Depending on the interest rate and cost of living provisions, drastic different values could be seen.

    Well beyond your calculator but of interest to me is how the NPV of social security raises the working class and the poor relative to the middle class. Yeah it is a lousy investment for many but not bad if you are getting back 90% of your contributions below the first bend point. An $800 per month Social Security payment at 62 might be worth close to $200 K depending on the assumptions about inflation ,discount rate and life expectancy. ( based on the 2012 average of $16,295 and life expectancy of 21 years at 62 and a 4.25% discount rate you get and NPV of $316K !– its a big number but not much to live on for 21 years) This is clearly not typically considered as an asset, yet arguably for most Americans it is their largest single asset at retirement. Doesn’t change the percentiles much (except for the teachers that don’t get SS) since almost everyone get something.

    Not discounting IRA’s etc for taxes also leads to inconsistencies. Two people one with a 100K in a roth and another with 100k in a traditional ira aren’t in the same position. Not to mention how to compare a tax deferred account with cash. Interestingly if taxes are considered then what state you are in will affect your wealth. It does get complex.

    Another thing that interest me that is outside of the hard numbers is how income and human capital skews the result with future or expected future earnings. A recent petroleum engineer and a recent philosophy graduate both with $100K in debt have different net worths , whether it can be estimated accurately or not.

    Thanks again. Really great site.

  10. current net worth places me in the TOP 3 percent in the U.S.

    over 30 years in corporate America and retired now at 55 years young!

    Not too shabby for someone who came to S.F. with only $100 in my pocket!!

    the result of hard work, sacrifice, and saving and investing early and regularly throughout my professional career.

    Still, I don’t feel ‘rich” at all. Very comfortable, yes. but that’s it!
    The defined pension benefits earned really makes a HUGE difference of course.

    Very THANKFUL for this aspect of my retirement. Still have YET to pull ANY $’s out of my investment IRAs/401Ks plans, because my pension more than funds all aspects of my retirement life at this point.

    1. So this guy moved to S.F. in 1985… Hmm, I’d say it’s safe to say tripping over extremely great timing in the history of an economic shift in this country had probably more to do with these positive results than hard work and sacrifice. Not saying he didn’t work hard or sacrifice any more or less than average, so dont get me wrong, but I’m sure a laboror in rural nowheresville had to work hard and sacrifice from 1985-2015… So just be thankful for good fortune and timing, they were on your side and you moved to an area that skyrocketed in almost all areas thereafter.

      1. What a nonsensical response. The labor in no wheresville could have, and in some cases did,invested wat little he could afford to. If he began in 1985 just investing $2k per years he’d be worth at least a million today or more. The good fortune was not the sole timing of being in SF. Sorry, not buying your response.

    2. Having a pension is huge. Mine was slashed over 90%. Am top 5% because I started saving young.

      I too am likely to be able to retire between age 55 and 60, even without the pension, as long as Congress doesn’t mess with my SS; I can likely bridge the gap to SS and 401k. However, I’ve already lasted 20+ years in an industry that’s slashing jobs. There is a lot of luck involved, regardless of the incredibly hard work I’ve put in (120 hour weeks ages you fast.)

      Be grateful for your luck, as well as proud of your hard work. Many work hard but get no such luck.

  11. The only problem is 401K is considered an asset at full value. The government will most likely take a big chunk of that when it is taken as income.

  12. Thank you for this great tool! Very helpful in place of traditional finance advice geared at 40 to 50 year olds. Very helpful as a younger person to figure out relative progress.

  13. I think that it is funny how so much is focused on net worth vs passive income. I am only 35 but receive over $3200 a month in passive income. I feel too many focus on the stock market (a ponzi scheme) instead of income producing assets. Take it from me it is much more profitable to own passive income producing assets such as rental property, royalties, or part of a business that you OWN not work for. Too many people think that “it takes money to make money” but it really doesn’t take a whole lot. The highest AGI my wife and I have ever filed was $71k. Does that sound like “high earners” to you? No?, but I live comfortable in the small and affordable city of Clarksville Tn where the economy is doing great! Housing is very affordable, the schools are good, taxes are low, and life is over all great here. I encourage you to do your homework. The place you live matters. I hope my post helps.

    1. So is your main point that you’re concerned that the average person doesn’t generally understand that there are cost of living differences amongst the endless amount of locations they could choose to live?
      At first glance of your comments, I would guess you have two or three rental homes?
      In which case I’m not sure suggesting going out and getting two/three rentals is for everyone. Unless you inherit them or acquired them is some other unconventional way, adding several mortgages (15 to 30yr notes) with the goal of monthly cash flow for the family budget isn’t all a risk free sunshine and rainbows decision either.

    2. It’s really not about net worth, or retirement. It’s about Financial Independence (FI). It takes a lot of money to be FI at a young age. Less so as you get closer to potential pensions, social security, etc. FI is primarily a function of your expenses, so it will vary by region/location. The FI curve comes down as you age, and at some point it will cross your actual expense curve. At that point you can do what you want. Retire, keep working, charity, whatever. Net worth helps most people figure out where they are in relation to FI, and is useful that way, but business and property owners and pension holders need to think a little deeper to understand their actual FI status, since they have cash flow that may not go towards increasing Net Worth.

  14. I may have missed if Net Worth values include the home. I never do, last I read you can’t eat that for dinner. I saw some good comments that included factoring in the area you live in. If you plan on staying in a million dollar neighborhood you may need a million dollars saved up for property taxes for a 20-40 year life span. Be prudent, persistent, and be flexible. It pays off in the end. We accumulated 650K in net worth in 20 years with a mixed basket of DRIPs, IRA self picks, 401K, HSA, 4 Rental properties and living on a budget when everyone around us got the good toys for Christmas.

    1. Net worth includes the home unless otherwise noted. I can’t eat my retirement plan but I’d include it in net worth too. Your house is an asset like any of your other assets, except it is far less liquid.

    1. As long as you keep in mind why you play the game. If I had $5.2M I’d walk right now… but then, everyone has different thresholds.

  15. Mine calculates to be 98%. But I feel poor. I am 59 and retired for sometime now but when I travel around this great country I see lots of million dollar ++ beach houses, Lots of +million dollar yachts, Lots of ++ million dollar condo and homes, and lots of ++ million dollar mountain retreats. I would love to own one of these but I cannot afford to. Where did I go wrong? Or what am I doing wrong? I have never had a loan in my life. Always $0 liability. Never wanted to owe anyone anything. My parents are 92 and 90 now so i have to plan on that age at least for financials.

    1. Sucks to be you huh Charlie?
      Seriously, I travel around the country too, and those 97% beneath you ain’t miserable because they don’t have yachts and million dollar beach houses. And at 59 they are probably still working. But don’t worry, stay retired and keep being envious and miserable of that 1% that are above and all the things they have that you don’t

    2. Charlie – I am wavering between feeling sorry for you, and wanting to call you a brat. I am just about the same age as you, and almost feel embarrassed by how fortunate I am based on my financial situation (88% vs your 98%). I’m lucky that I love my job, and plan to continue working for at least another 10 years. I feel so fortunate about having little concern regarding my retirement situation.

      Kamaʻāina says it best below regarding the definition of rich. Perfectly stated.

      Perhaps you should expand your traveling to other not so fortunate places outside our great country, in order to get a glimpse about how the other half lives. For me, doing this has opened my eyes in discovering that there are so many beautiful people in this world deriving simple pleasures in life without having the money to buy luxurious condos, yachts, retreats, etc. They don’t fret about what they don’t have or even think about it, and usually don’t even complain about not having enough.

      By traveling to less well off areas, I’ve learned a lot about the beauty of simplicity and the peace and satisfaction derived from the avoidance of materialism. Don’t get me wrong, I’ve not turned into a hermit, but I’m more and more satisfied and happier with what I have, and less envious of those around me who have more. Material wealth ain’t everything. Good luck with your future endeavors.

  16. So almost $5M and you say you “feel poor.” That’s why I appreciate the saying that the richest among us is not the one who collected the most, but the one who needs the least.

  17. Thank you for the website/calculators. I will share it with others.
    It would be interesting to be able to scope the calculation in the following manner:

    Household income ranges: (i.e.) $85,000-$100,000
    Age parameters as you enter them.
    Net Worth stats as you have them.

    So if family income is in the above range currently, how much net worth do people have. There are variables from results from the past.

    This would be extremely useful and I have never seen the statistic.

    I am more interested in this (for example if family income is $150K per year) how does my net worth compare to my peers at certain age intervals.

  18. If you have shelter, food and people to love and love you, you are rich. I’m now worth 7m at 52 and would feel a lot richer if I haven’t started worring about how I am going to keep that equity to pass on. Fact is, beyond basic needs, money isn’t going to bring you much more happiness in life…Just hopefully a bit less stress.

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