What’s your net worth percentile?

Net worth = total assets − total liabilities. Assets include cash, checking and savings, investments, retirement accounts, home equity, vehicles, and other valuables. Liabilities include mortgages, student loans, credit-card debt, auto loans, and any other money you owe.

Numbers are derived from the Federal Reserve's Survey of Consumer Finances (SCF), the most authoritative U.S. source on household balance sheets. The SCF is published every three years; the most recent release covers 2022 and we use it as the basis for the 2026 figures shown here. We linearly interpolate between Fed-published age brackets so you can enter any age.

Median. Mean (average) net worth is heavily skewed by ultra-wealthy households — for under-35s, the SCF reports a median around $39k but a mean closer to $184k. Median answers the question 'where does the typical American my age stand?' more honestly.

Yes — home equity (your home's market value minus the mortgage balance) counts toward net worth in the SCF and in standard personal-finance practice.

The SCF reports household net worth, so if you're filing jointly or sharing finances with a partner, enter your combined household figures and use the older partner's age for the most conservative read.