Net Worth by Age Percentile Rank Calculator

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 2016. 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.

Starting Comparison Age:
Ending Comparison Age:
Networth: $

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.

Net Worth Summary Statistics for Households Aged 18 to 100

Scroll up to enter changes to your wealth.

Net Worth Percentile Rank : A net worth of $2,000,000.00 for ages 18 to 100 ranks at the 94.03%
Median Net Worth : $97,700.00
Mean Net Worth : $679,913.00
Net Worth 25th - 75th Percentile Ranges : $10,310.00 to $377,090.00

Net Worth Percentiles by Age

For reference, here is how much net worth you would have to have to rank at certain percentiles for ages 18 to 100
PercentileNet Worth (in Dollars)
90%$1,165,900.00
80%$503,900.00
70%$283,200.00
60%$173,000.00
50%$97,700.00
40%$48,910.00
30%$18,501.00
20%$4,800.00
10%-$900.00
Percentiles show the ranking of a particular net worth result. So a 90% (ninetieth percentile) means that out 100 people the household ranked 90th would have a net worth of around -$900.00.

Net Worth Visualizations

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These results are based off of 6248 individual samples where the head of household was age 18 to 100 and are weighted to represent 125981700 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 2016 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 http://www.r-bloggers.com/analyze-the-survey-of-consumer-finances-scf-with-r/. The number of samples per age vary quite a bit, so you might get unusual results for certain ages.

Net Worth Links and Addendums

  • Update: September 2017, the data now reflects the 2016 SCF data. Median net worth has risen around 16% (adjust for inflation). Some of the age ranges look a little more irregular than usual, so I will be on the lookout for any additional updates from the Federal Reserve. As of 2/24/2018 there have been no updates to the data that was published.
  • Update: August 2017, I’m updating some of the net worth graphs in anticipation for the 2016 SCF data that should be released at the end of August or beginning of September. I’ve also deleted some of the visualizations that were slowing down the webpage without really adding a lot.  Sign up for the email list if you would like to be notified when we update the data!
  • Update: April 2019, stock net worth is at an all time high, so the wealth at the upper end of the distribution will be somewhat higher than the most recently published SCF data.  Since this kind of asset is heavily concentrated, the middle and lower ends of the distribution will not be as heavily affected by rising stocks.
  • Mark Twain once said that “Comparison is the death of joy.” Net worth is an important metric but it doesn’t define you.
  • 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. The article compares the 25th to 75th percentiles in net worth

20 thoughts on “Net Worth by Age Percentile Rank Calculator”

  1. Abner Barnes and Cecil Burrow comments are clearly a bogus and probably form someone with less than $10 in the bank. Someone with a net worth of $15 and $150 million wouldn’t even make arrogant comments like this. I’m 52 and may be hitting a restructuring point with my employer who was just bought by another so I have been giving this some thought lately. Living in the more affordable midwest with a real current neat worth of a tick over 1.4 million excluding my primary home and at a 4% SWR, would live quite happily on $56k a year with only paying federal taxes in my state based on retirement tax rules. Even bit less. I currently own a 2900 sq. ft 4 bed room newer home, an older Porsche 911, BMW, 7 Rolex watches and have everything I need to enjoy a forced early retirement if it happens.

  2. I recently turned 40, and decided to look into where I stood vis-a-vis others in their late 30s and early 40s. We are childless, with an approximate net worth of $1.25m. One primary residence paid for, one investment property that’s not. 2 adults with 4 paid off vehicles (VW GTI, Mazda6, 90s Ford Ranger and nearly 50 year old 911). Roughly $400k in retirement for me thus far, she’s got less but will also get a pension that I am not including here. HHI just north of $160k excluding bonus. We are blessed to live in a seaside college town here in RI. We go out for dinner on Friday nights. I make coffee at home and bring a lunch just about every day. I am apparently known as ‘Mr Self Sufficient’ by our neighbors who watch me do things like vehicle repairs, build furniture, tune skis, do much of the work on home renovation projects etc. It’s how I was raised. They also say things like ‘it must be nice’ re skiing / sailing / my somewhat expensive bicycle…but then they go out and waste money on cruises, dine out all the time, always have the latest iphones / ipads, lease entry level lux vehicles…it’s a different lifestyle. If I had another $3m to my name, I am not sure I would live much differently. Do you want stuff or experiences?

  3. The real rich person is not the number but the degree of inner happiness, if you have high number saving but are selfish, too bad you are very poor, to the end of your life, it does not generate any value for you, you just waste this life till next cycle and probably will be a beggar or homeless.

  4. I am about 3-4 years from retirement
    I think I have enough money approx 4M in net worth including residentence

    lots in stock about 60%, didn’t start out that way as there was about 35% of net worth 5 -6 years ago but its grown faster then other assets because they have grown so quickly typical stocks AAPL GOOG DIS COST etc all doing well

    As I get closer to retirement should I re balance and if I sell about 500K -750 K in stocks where to put it is the question to generate about a 4-5% safe return

    open to suggestions

    thanks

  5. I am by no means rich but at 35 with approximately 400k in net worth I am happy. I dont require much so its just a safety net for the futuee in my eyes.

  6. For Roy-

    Just a suggestion. Not sure what your living expenses are per year, but let’s say 100k. Why not do a 5 year tiered CD ladder of 500k? So every year you have a CD expire with 100k (that’s your living expense for the year). Put the rest in the market. If the market goes up, sell enough to fund another 100k for your ladder. If there is a downturn, skip buying a CD that year, then you still have a few years to make it up before you CD ladder money runs out. With rates going up, at least you can earn something in a CD again. Just my two cents.

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