Net Worth Percentiles by Age
See how your assets minus debts stack up against 2022 SCF net worth percentiles. Spot the median, 75th, and 90th benchmarks for your age group instantly.
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Based on 2025 Empower dashboard data
Understanding the Numbers
Why Median Matters More Than Average
The median represents the "middle" person - 50% of people have more, 50% have less. Ultra-wealthy individuals skew averages upward, making median a more realistic comparison point for most people.
Factors That Influence Net Worth
- Career choice and income level
- Education level and student debt
- Geographic location and cost of living
- Homeownership and real estate equity
- Savings rate and investment returns
- Inheritance and family wealth
How to Increase Your Net Worth
- Pay down high-interest debt aggressively
- Build a 3-6 month emergency fund
- Maximize retirement account contributions
- Invest consistently in diversified portfolios
- Increase your income through skills and career advancement
- Track your spending and optimize your budget
Key Financial Terms
Understand the essential concepts behind this calculator
Frequently Asked Questions
Common questions about the Net Worth Percentiles by Age
💡 Emergency Fund Guidelines & Sources
Financial experts recommend saving 3-6 months of essential expenses as an emergency fund. Those with variable income or single-income households should aim for 6-12 months.
→ Source: Consumer Financial Protection Bureau (CFPB)
According to Federal Reserve data, 40% of Americans would struggle to cover a $400 emergency expense using cash or savings.
→ Source: Federal Reserve - Economic Well-Being of U.S. Households (2023 Report)
The median time to find new employment ranges from 8-20 weeks, varying by industry, location, and economic conditions.
→ Source: Bureau of Labor Statistics - Unemployed Persons by Duration
As of 2024-2025, high-yield savings accounts (HYSA) offer approximately 4.0-4.5% APY, significantly higher than traditional savings accounts (~0.01-0.5%).
→ Source: FDIC - National Rates and Rate Caps
Tip: Keep emergency funds in liquid, FDIC-insured savings accounts for easy access. Don't invest emergency funds in stocks or bonds.
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⚠️ Important Disclaimer
This Net Worth Percentiles by Age provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.
The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.
This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA) for tax matters
- Licensed attorney for legal matters
- Registered Investment Advisor (RIA) for investment decisions
Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.
No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.