Modèle de la Règle de 72
Key Financial Terms
Understand the essential concepts behind this calculator
Questions Fréquentes
Questions courantes sur Modèle de la Règle de 72
La règle de 72 est une méthode simple pour estimer le temps nécessaire à un investissement pour doubler. Il suffit de diviser 72 par le taux d’intérêt annuel pour obtenir le nombre d’années requis.
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Sources & References
Federal Reserve Survey of Consumer Finances
The most authoritative source for U.S. household net worth data. Conducted every 3 years with ~6,000 families.
Average vs. Median Net Worth by Age (2022 Data)
• Under 35: Median $39,040 | Average $183,500
• 35-44: Median $135,600 | Average $549,600
• 45-54: Median $246,700 | Average $975,800
• 55-64: Median $364,270 | Average $1,566,900
• 65-74: Median $409,900 | Average $1,794,600
• 75+: Median $335,600 | Average $1,624,100
• 35-44: Median $135,600 | Average $549,600
• 45-54: Median $246,700 | Average $975,800
• 55-64: Median $364,270 | Average $1,566,900
• 65-74: Median $409,900 | Average $1,794,600
• 75+: Median $335,600 | Average $1,624,100
Why Average is Higher Than Median
Median represents the middle household (50th percentile). Average is skewed higher by ultra-wealthy households. Median is a better benchmark for typical American households.
Net Worth by Income Percentile (2022)
• Bottom 50%: Median $27,970 (2.6% of total wealth)
• 50-90th percentile: Median $379,700 (36.5% of total wealth)
• 90-99th percentile: Median $2,265,000 (36.6% of total wealth)
• Top 1%: Median $16,740,000 (24.3% of total wealth)
• 50-90th percentile: Median $379,700 (36.5% of total wealth)
• 90-99th percentile: Median $2,265,000 (36.6% of total wealth)
• Top 1%: Median $16,740,000 (24.3% of total wealth)
Components of Net Worth
Net worth = Total Assets - Total Liabilities
Assets include: Home equity, retirement accounts (401k, IRA), investment accounts, vehicles, cash/savings
Liabilities include: Mortgage, student loans, credit cards, auto loans, personal loans
Assets include: Home equity, retirement accounts (401k, IRA), investment accounts, vehicles, cash/savings
Liabilities include: Mortgage, student loans, credit cards, auto loans, personal loans
Millionaire Statistics (U.S.)
• ~14.6 million millionaire households in U.S. (2024)
• Represents ~10.8% of all U.S. households
• Average age of first-time millionaire: 59 years old
• Represents ~10.8% of all U.S. households
• Average age of first-time millionaire: 59 years old
Tip
Focus on your personal financial goals rather than comparisons. These benchmarks provide context, not targets. Your ideal net worth depends on your age, income, goals, and lifestyle.
⚠️ Tip