Finance
Loans, savings & money calculators
Net Worth Calculator
Assets minus liabilities, then your by-age and by-income percentile from the Fed SCF — with the honest median-not-mean framing. Accurate, instant and free — for United States.
Assets — what you own
Liabilities — what you owe
Benchmark cohort
Your net worth is $209,000. That ranks around the 58th percentile of the 35–44 age cohort and the 59th percentile of the 40–60% income band, whose age-cohort median is $135,600 (Fed SCF 2022). Compare yourself to the median, not the mean — the mean ($1,063,700) is pulled far up by the wealthiest households.
Assets vs liabilities
- Assets · 64%$480,000
- Liabilities · 36%$271,000
FIRE progress
The 4% rule says a portfolio of 25× your annual spending can fund retirement indefinitely. Your retirement corpus target follows from how much you plan to spend each year.
You're at 20.9% of your FIRE target.
Net-worth snapshots
Save today's net worth and track it over time. Snapshots live only in this browser (localStorage) — nothing is uploaded.
No snapshots yet — save one to start tracking your real (inflation-adjusted) progress.
Read the median, not the mean
How net worth and your by-age percentile are calculated
Net worth is the simplest formula in finance — assets minus liabilities. The harder (and more useful) part is the percentile: ranking your number within your age bracket using the Federal Reserve Survey of Consumer Finances (SCF) 2022, the authoritative US wealth dataset, interpolated between published breakpoints.
Net worth
Σ assets − Σ liabilities
net_worth = Σ assets − Σ liabilities
- Assets: cash, investments, retirement, real estate, vehicles, business
- Liabilities: mortgage, student/auto/personal loans, credit cards
- Count real estate net of mortgage — don't double-count
Percentile lookup
Rank within your age bracket
percentile = rank(net_worth) in SCF age bracket
- Interpolated between 25th / 50th / 75th / 90th / top-1%
- Source: Fed SCF 2022 (released Oct 2023)
- An estimate — not an exact rank
- 1Worked example — a 30–34-year-old with $150,000: That sits well above the under-35 SCF median of $39,072 — roughly the upper-middle of the distribution for their age. The tool reports the exact percentile alongside the bracket median and mean for context, so the comparison is honest.
- 2Why median, not mean: The overall median is $192,700 but the mean is $1.06M— inflated by a small number of very wealthy households. For "how do I compare?", the median is the fair benchmark; the mean misleads.
Median, not mean — your percentile is an estimate
Use the median, not the average — here's why it matters
The single most common mistake in net-worth comparisons is using the average. The US mean net worth is $1.06 million — but the median is $192,700. The $870k gap is not noise; it is the mathematical fingerprint of wealth concentration. A handful of billionaires drag the average far above where most households actually sit.
Median (the fair benchmark)
$192,700 — half above, half below
US overall median
$192,700
Exactly half of households are above this.
Mean (misleading)
$1.06M — inflated by the top
US overall mean
$1.06M
Most households fall well short of this.
When does the average matter?
Compare by age AND income — and track against your FIRE number
Most tools (and AI answers) compare you only by age — so a 30-year-old gets benchmarked against retirees. The Fed SCF publishes both age and income bands, so this calculator defaults to both: your rank within your age cohort and within your income cohort — a fairer, more motivating benchmark. It then frames progress as a percentage of your FIRE number.
- 1Age AND income percentile, side by side: A high earner early in their career may rank mid-pack by income but high by age — seeing both is the honest picture, and it's harder for an inline AI answer to replicate than a single static table.
- 2Snapshot tracking + % of your FIRE number: Save snapshots to a permalink / local storage (no login, no account-linking), see real, inflation-adjusted growth between snapshots, and render progress as "% of your FIRE number" (e.g. 25× annual spend). It turns a one-shot benchmark into a returning-user tracker.
Cross-links
No account-linking — snapshots are manual
Frequently asked questions
Net worth = total assets − total liabilities. Add up everything you own — cash, investments, retirement accounts, real estate (at market value), vehicles, business interests — and subtract everything you owe — mortgage, student loans, auto and personal loans, credit-card balances. Count real estate net of its mortgage: include the home as an asset and the loan as a liability, but do not double-count. A negative result is normal early in a career (student debt outweighing assets) and is a low percentile, not an error.
Per the Federal Reserve's 2022 Survey of Consumer Finances (the latest, released October 2023), the overall US median net worth is $192,700, while the mean (average) is $1.06 million. The enormous gap exists because a small number of very wealthy households pull the average up. For "how do I compare?", the median is the honest benchmark — half of households are above it and half below — whereas the mean is misleading because most households fall well short of it.
From the Fed SCF 2022: under 35 is about $39,072; ages 35–44 about $135,600; 45–54 about $247,200; 55–64 about $364,500; 65–74 about $410,000; and 75+ about $335,600. Net worth typically peaks in the mid-60s to mid-70s and then draws down in retirement. These are median figures for each age bracket, not averages, so they reflect a typical household rather than being inflated by the wealthiest.
Your percentile is your rank within your age bracket's wealth distribution from the Fed SCF, interpolated between the published breakpoints (25th, 50th, 75th, 90th and top-1%). For example, a 30–34-year-old with $150,000 net worth sits well above that bracket's median, in the upper-middle of the distribution for their age. The percentile is an estimate from official survey data — it is interpolated between breakpoints, so it indicates roughly where you stand, not an exact rank, and it is not a measure of financial health or advice.
The percentile figures come from the Federal Reserve Survey of Consumer Finances, which is conducted every three years. The current data is the 2022 SCF (released October 2023), and every output on this page is stamped with that year. The next release — the 2025 SCF — is expected in late 2026, at which point the dataset will be refreshed through a reviewed update. Until then, treat the figures as the most recent official benchmark available.
Method, data & references
Methodology: net worth = Σ assets − Σ liabilities (real estate counted net of mortgage); percentile = rank within the user's age bracket from the Federal Reserve Survey of Consumer Finances, interpolated between published breakpoints (25/50/75/90/top-1%). Data: Fed SCF 2022 (released Oct 2023) — overall median $192,700, mean $1.06M; under-35 median $39,072. The dataset is triennial; the next (2025 SCF) is expected ~late 2026, and every output is stamped with the SCF year. We lead with the median because the mean is inflated by the wealthiest households. Your percentile is an estimate, not an exact rank. Not financial advice.
How we calculate this
Reviewed by Reckonist Editorial · Last reviewed 16 June 2026. Figures follow the methods and sources set out in our editorial standards.
Percentile figures use the Federal Reserve Survey of Consumer Finances 2022 (the latest official US data; next release expected late 2026) and are stamped with that year. Use the median, not the mean — the $1.06M average is inflated by the wealthiest households, while the $192,700 median reflects a typical household. Your percentile is interpolated between published breakpoints, so it is an estimate of where you stand, not an exact rank or a measure of financial health. This is general information, not financial advice — consult a qualified financial adviser for personal planning.
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