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 76 to 100

Scroll up to enter changes to your wealth.

Net Worth Percentile Rank : A net worth of $0.00 for ages 76 to 100 ranks at the 4.38%
Median Net Worth : $187,330.00
Mean Net Worth : $618,381.00
Net Worth 25th - 75th Percentile Ranges : $66,700.00 to $423,800.00

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 76 to 100
PercentileNet Worth (in Dollars)
90%$980,000.00
80%$556,400.00
70%$317,400.00
60%$246,402.00
50%$187,330.00
40%$142,100.00
30%$87,100.00
20%$47,200.00
10%$5,030.00
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 an investor.

Net Worth Visualizations

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These results are based off of 474 individual samples where the head of household was age 76 to 100 and are weighted to represent 12019880 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 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: 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!
  • 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

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

    1. In plain terms…
      (The value of your residence) – (Amount owed against residence) = amount you add to your net worth

    2. I don’t think so! I believe that ONLY cash holdings and net assets of self made people like me should count! The other measurements have WAY too many variables, and include WAY too many BRATS born into privilege, good fortune, and wealth! Living off others is’nt a measurement of your work or wealth, it is a measurement of the sweat equity and wealth of OTHERS whose bodies YOU were fortunate enough to come OUT of!

      1. Rick

        A mortgage over time has certainly absorbed money that I could have invested elsewhere. But timing has been good, so I have no complaints here in the Boston area. Real estate is usually a leveraged asset on many levels. Not sure what your point is. Your Brat comments also don’t apply to most people that have worked their asses off to own a home and build up equity.

      2. lol.. sure buddy, if that makes you feel better.

        In the real world, net worth is just that….. net worth.. i.e. assets – liabilities
        whether they are your own or inherited from someone else.

  1. Some people will go on about how being rich isn’t the same as being happy, and that true wealth is family and the basics and blah blah.
    I think we all get that. But as a person who started with a net worth of negative thousands, to being decently wealthy, I can tell you that wealthy is better.
    Now if you can’t balance your health or time with your family, that’s on you.

    1. I went from broke to financially independent and the challenge I see is when do you take your foot off the gas and start appreciating your limited existence rather than just downing coffees and running to the next meeting. I think I just wrote my longest sentence, check.

      1. Do you apply any inflation factors to the 2013 data… not that there really has been all that much inflation since the last survey.

        1. No adjustments for inflation have been made. If you want to adjust using the CPI, $1 in 2013 is equal to $1.06 in 2017.

  2. I went to college for one year and dropped out because I didn’t want to be average. I am 48 years old and was worth just over $1M at age 30, over $10M at age 37, down to only $4M at age 40 and now north of $30M. I did it investing in real estate. Most people in real estate have wealthy parents but I do not have wealthy parents, I did it myself with hard work and persistence. 40% persistence, 40% salesmanship and 20% intuition. Frugality can make anyone wealthy over time despite what your income is. Even someone making $50k/year can become wealthy if they just spend less than they make and save and let it compound. Most people spend everything they make no matter how much they make and wonder why they aren’t wealthy. The vast majority of doctors and lawyers make a good living but spend it all as fast as they make it and have insignificant net worths. The opposite of this is the mailman who retires as a millionaire because he knew how to live within his means and saves and over time he became wealthy. The media and all of society teaches consipicous consumption as the norm as opposed to deferred gratification which is a recipe for disaster and even our local sate and federal goverments are unable to practice the simple math of spending less money than they bring in. I am hopeful that more people learn how to save or else most people will end up having to eat cat food when they get old because they didn’t save for the future and the government will not have the money to save them!

    1. Well said Mark. I second . . . Most folks dont realize they have a well crafted financial plan already . . . written by every conceivable vendor . . . it is designed to help them part with their resources rather than live below means and invest the difference. THE most important ingredient in wealth building is a keen understanding of the line between wants and needs. I am all for the occasional splurge but absent consistantly living below means, any effort at wealth building will fail.

  3. I had a traditional job for a long time, and ended up with plenty of money to retire on ($2.7M+ invested) + a small pension. It is true that money (by itself) will not make you happy, but MONEY DOES GIVE YOU ONE THING – CHOICES! And when you’re 60, CHOICES CAN MAKE YOU HAPPY! So I guess, indirectly, the choices money provides you, can make you happier. I’m not what I would consider “rich” ($2.7M); had a traditional life with the same wife, 3 daughters (and now 5 grandchildren). I paid for their undergraduate degrees (they all went on to get Masters (paid by employers/state)), so they wouldn’t have to start life out digging out of a debt hole, like I did.

  4. I am reviewing the net worth of millenials age 18 to 30.I find it quite interesting that there are fewer millenials in the 1.3 million to 5 million range then there are in the 5.1 million and above range.Any thoughts on this would be greatly appreciated.By the way your website is excellent.

    1. Athletes maybe? There’s got to be a lot more opportunity for a lot 25 year old to make it rich in sports than anything else.

  5. My wife and I agreed on financial priorities early in our now 35 year marriage. We met in college, worked our way through school and started our marraige with $100 between us. We lived below our means and chose to forego the over-the-top spending that some of our friends did when we were young . Instead, we saved & invested money from each pay period, saved for our children’s education, paid off our houses & autos and took modest, but fun vacations. That we have amassed a net worth in excess of $25M was no accident. It took discipline and getting over FOMO (fear of missing out) when we were younger. We are now able to do what we want, when we want. We’re lucky… we’re in good health and we’re still in our 50s.

  6. I think there is confusion on what is wealthy. I weigh in at 2.9 mill, putting me at about the top 97%. But I travel coach when I fly, drive a 10 y.o. pickup bought used, do most of my shopping at Costco, and do pretty much all my own home maint. That’s being thrifty, not frugal. I could spend more, but not for long. I owe no debt, help my kids and always pick up the restaurant tab, but really there isn’t near enough money to indulge in high ticket luxury. What is good is I don’t stress when the washer dies, like it did this week. I get my cars serviced on the recommended interval. The cat goes to vet when he’s hurt. I cover my kids’ cell phone bill (so they have no excuse for not calling their mom).

    I think rich is now well above 10 mil. People like me are just well off pedestrians.

      1. I would not get hung up on the percentiles. I have a net worth over $4 million and I still fly coach, drive an old car, etc….. From my own experience, you need a net worth of at least $7.5 million before you can coast (take expensive vacations, drive new cars, live on a $8 to $10,000 a month after tax budget….). A good net worth does not mean a lot since you have to have a home, keep up cars, pay fixed costs (power, insurance, property taxes, food, possible children help)…..costs add up quickly.

  7. I am in the top 1% (thanks to the RE and stock markets that keep on going up in recent years). But I don’t feel that it particularly makes me happier. Don’t get me wrong, I want my wealth to go up than down but having good health, being positive and being able to do engage in my hobbies bring way more happiness to me than being able to buy a $200k swiss watch or an expensive sports car. Those things don’t mean much to me anyway. I am a frugal person and I respect others who try to live below their means.

  8. Anyone can become a millionaire. But only those that plan early on will actually become one. It’s really simple if you understand the time value of money. Unfortunately most people don’t.

  9. We are happy to see that we are in the top 4% for ages 55 – 60. In 1990, I had no money and no job, but started my company in late 1991 and started investing in rental houses in the 2000s. We don’t feel “rich,” as we do not spend wildly with all kinds of show-off stuff, and have zero debt. The Millionaire Next Door, a bestseller printed in many languages, is an excellent guide to how most millionaires in the USA are self-made and not show-offs.

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