Net Worth Percentile Calculator

Find your wealth percentile ranking among US households

Your Percentile Ranking

90th

Top 10% Millionaire
Compared to Median Net Worth

US Median Net Worth: $192,700

Your Net Worth: $2,000,000

Difference: $1,807,300 (1037.9%)

Compared to Average Net Worth

US Average Net Worth: $1,059,470

Your Net Worth: $2,000,000

Difference: $940,530 (188.8%)

Wealth Bracket Thresholds
  • Top 10%: $1,940,000+
  • Top 5%: $3,450,000+
  • Top 1%: $13,666,778+
Millionaire: Approximately 18.0% of U.S. households are millionaires

The Net Worth Percentile Calculator helps you understand your financial standing among U.S. households by calculating your wealth percentile. Based on the 2022 Federal Reserve Survey of Consumer Finances, this tool compares your household net worth to millions of American families. Net worth is calculated as total assets (home equity, investments, savings, retirement accounts, vehicles, and other valuables) minus total debts (mortgages, loans, credit card balances, and other liabilities). Understanding your percentile ranking provides valuable context for financial planning and goal setting.

$
Include all assets (home, investments, savings) minus all debts (mortgage, loans, credit cards)
years old
Optional: Enter your age to see how you compare to others in your age group
Popular Examples
$50,000 Net Worth
$100,000 Net Worth
$250,000 Net Worth
$500,000 Net Worth
$1 Million Net Worth
$2 Million Net Worth

The Net Worth Percentile Calculator helps you understand your financial standing among U.S. households by calculating your wealth percentile. Based on the 2022 Federal Reserve Survey of Consumer Finances, this tool compares your household net worth to millions of American families. Net worth is calculated as total assets (home equity, investments, savings, retirement accounts, vehicles, and other valuables) minus total debts (mortgages, loans, credit card balances, and other liabilities). Understanding your percentile ranking provides valuable context for financial planning and goal setting.

Using the calculator is simple: enter your total household net worth (assets minus debts) in the input field and click "Calculate My Percentile." The calculator will display your percentile ranking, showing what percentage of households you're above. You'll also see comparisons to median and average net worth, wealth bracket classifications (Top 1%, Top 5%, Top 10%, etc.), and whether you've reached millionaire status. The data is based on actual 2022 Federal Reserve statistics, providing accurate and reliable benchmarks.

Net worth represents your total financial position and is calculated by subtracting all debts from all assets. Assets include home equity, investment accounts (401k, IRA, brokerage), savings, checking accounts, vehicle values, and other valuables. Liabilities include mortgages, student loans, auto loans, credit card debt, personal loans, and any other money owed. A positive net worth indicates assets exceed debts, while a negative net worth means you owe more than you own. Net worth is a key indicator of financial health and wealth accumulation.
Frequently Asked Questions

Net worth percentile indicates what percentage of households have less wealth than you. For example, if you're in the 75th percentile, your net worth exceeds 75% of U.S. households. The Federal Reserve collects this data through the triennial Survey of Consumer Finances, providing comprehensive wealth distribution statistics across demographics.

According to the 2022 Federal Reserve Survey of Consumer Finances, the median household net worth in the United States is approximately $192,700. This means half of households have more and half have less. The median is a better representation of typical household wealth than the average, which is skewed higher by ultra-wealthy households.

Based on 2022 Federal Reserve data, households need approximately $1.9 million in net worth to reach the top 10% of American households. The top 5% threshold is around $3.2 million, and the top 1% starts at approximately $11.1 million. These thresholds vary over time with economic conditions and inflation.

Approximately 21-24% of U.S. households have a net worth of $1 million or more, according to 2022 Federal Reserve data. This equates to roughly 27-30 million millionaire households in America. Most millionaires achieved their wealth through consistent saving, investing, homeownership appreciation, and time rather than lottery wins or inheritance.

Improving your net worth percentile involves increasing assets and decreasing debts: (1) Maximize retirement contributions to tax-advantaged accounts, (2) Invest consistently in diversified portfolios, (3) Build home equity through mortgage payments and appreciation, (4) Reduce high-interest debt systematically, (5) Increase income through career advancement or side businesses, and (6) Practice disciplined spending and regular saving habits.
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Data Source: Federal Reserve Survey of Consumer Finances 2022

Mathematical Explanation

Net worth percentile is calculated using rank-based statistical analysis of household wealth distribution data from the Federal Reserve Survey of Consumer Finances. The percentile rank indicates what percentage of households have a net worth less than yours. For example, if you're at the 75th percentile, 75% of U.S. households have less wealth than you, while 25% have more. The calculation uses the cumulative distribution function (CDF) applied to the wealth data, with thresholds defined for major wealth brackets (Top 10%, Top 5%, Top 1%). Age-adjusted percentiles apply the same methodology within specific age cohorts to show your relative wealth position among peers of similar age.

Frequently Asked Questions

Net worth percentile indicates what percentage of households have less wealth than you. For example, if you're in the 75th percentile, your net worth exceeds 75% of U.S. households. The Federal Reserve collects this data through the triennial Survey of Consumer Finances, providing comprehensive wealth distribution statistics across demographics.

According to the 2022 Federal Reserve Survey of Consumer Finances, the median household net worth in the United States is approximately $192,700. This means half of households have more and half have less. The median is a better representation of typical household wealth than the average, which is skewed higher by ultra-wealthy households.

Based on 2022 Federal Reserve data, households need approximately $1.9 million in net worth to reach the top 10% of American households. The top 5% threshold is around $3.2 million, and the top 1% starts at approximately $11.1 million. These thresholds vary over time with economic conditions and inflation.

Approximately 21-24% of U.S. households have a net worth of $1 million or more, according to 2022 Federal Reserve data. This equates to roughly 27-30 million millionaire households in America. Most millionaires achieved their wealth through consistent saving, investing, homeownership appreciation, and time rather than lottery wins or inheritance.

Improving your net worth percentile involves increasing assets and decreasing debts: (1) Maximize retirement contributions to tax-advantaged accounts, (2) Invest consistently in diversified portfolios, (3) Build home equity through mortgage payments and appreciation, (4) Reduce high-interest debt systematically, (5) Increase income through career advancement or side businesses, and (6) Practice disciplined spending and regular saving habits.

Resources & References

Encyclopedia Resources
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