Net Worth Percentile by Age
See where your net worth lands among US households in your age group. Data from the Federal Reserve\'s 2022 Survey of Consumer Finances.
You\'re in the
52th
percentile · 50th-75th percentile for 35-44
Reference percentiles for 35-44
25th
$51,000
50th (median)
$135,000
75th
$360,000
90th
$1,020,000
99th
$5,500,000
What net-worth percentile actually tells you
Percentile is a relative metric — where you fall compared to others in your age group. It\'s useful for context but limited as a planning tool. The 75th percentile of net worth doesn\'t guarantee a comfortable retirement; the 25th doesn\'t guarantee struggle.
The more useful metrics for individual planning are FI ratio (your portfolio income divided by your annual spending) and years-of-expenses saved (net worth divided by annual expenses). A 75th percentile net worth means very different things to a frugal saver vs. a high-spender.
That said, percentile is genuinely motivating. Knowing you\'re in the 75th percentile for your age can either confirm you\'re on track or kick you into action if you\'re behind. Use it as a sanity check, not a target.
Frequently asked questions
What's a good net worth for my age?
There's no single "good" — it depends on your income, location, family situation, and goals. As a baseline, the median (50th percentile) net worth in the US is roughly $39k under 35, $135k at 35-44, $247k at 45-54, $364k at 55-64. These come from the Federal Reserve Survey of Consumer Finances 2022. Hitting median means you're ahead of half of US households your age.
How does net worth compare across countries?
Median net worth varies hugely. US median (~$192k all ages) is in line with Canada (~$329k CAD) and Australia (~$650k AUD), all higher than UK (~£170k) due to home-ownership rates and equity exposure. Germany / France / Japan are notably lower despite high incomes — different savings cultures and asset preferences.
Should I count my home equity?
Yes — net worth = assets minus liabilities, and your home minus mortgage is a meaningful net position. But it's illiquid; you can't spend it without selling or borrowing. Many financial planners track "liquid net worth" (excluding primary residence) separately for retirement-readiness assessment.
Should I include retirement accounts?
Yes. 401(k), IRA, RRSP, TFSA, ISA, SIPP, Super — all count as part of your net worth. They're your money, just in tax-advantaged wrappers. Some calculators distinguish "investable net worth" by excluding home equity and certain illiquid assets.
What if I'm self-employed / international?
The percentiles above are US-based. International users can use them as a rough comparison but exact comparisons require country-specific data. Net worth distributions are generally similar across developed economies after adjusting for currency.