Net Worth Percentile

Your net worth percentile tells you where you rank financially compared to others. If you're in the 75th percentile, you have more wealth than 75% of people in your comparison group (age, location, etc.).

How It's Calculated: Net Worth = Assets

• Liabilities Then ranked against Federal Reserve Survey of Consumer Finances (SCF) data, updated every 3 years.

U.S. Net Worth Percentiles by Age (2022 SCF Data):

Age 25-34:

• 25th percentile: -$2,600 (more debt than assets)
• 50th percentile (median): $39,000
• 75th percentile: $184,000
• 90th percentile: $457,000

Age 35-44:

• 25th percentile: $24,000
• 50th percentile: $135,000
• 75th percentile: $549,000
• 90th percentile: $1,370,000

Age 45-54:

• 25th percentile: $72,000
• 50th percentile: $247,000
• 75th percentile: $975,000
• 90th percentile: $2,500,000

Age 55-64:

• 25th percentile: $117,000
• 50th percentile: $364,000
• 75th percentile: $1,560,000
• 90th percentile: $3,700,000

What Percentiles Mean:

Below 25th: Focus on eliminating debt, building emergency fund, and starting retirement contributions.

25th-50th: You're building wealth but behind median. Increase savings rate, maximize 401(k) match, avoid lifestyle inflation.

50th-75th: Above average! Focus on tax optimization, maxing retirement accounts, and investment diversification.

75th-90th: Top quarter. Consider tax-advantaged strategies, real estate, and legacy planning.

90th+: Top 10%. Work with financial advisors on estate planning, tax minimization, and wealth preservation.

Important Notes:

• Net worth includes home equity, retirement accounts, investments, cash
• Negative net worth is common in 20s/30s due to student loans
• Percentile matters less than trajectory (are you improving?)
• Geographic differences: $500k net worth is 75th percentile nationally but 50th in San Francisco

Use This Data To:

• Set realistic goals for your age
• Benchmark progress
• Understand if you're on track for retirement
• Avoid comparison anxiety (focus on your journey)