Net Worth by Age Calculator
See where you stand against others your age. US and Canadian data, sourced from government wealth surveys.
Your percentile will appear here
Enter your age and net worth to see how you compare.
Net Worth Percentile
Ages 35–44You're in the
Top 23%
Ahead of 77% of Americans ages 35–44.
Where you sit
25% Below
median Above
median Top
25%
Median for your age
$135,600
Difference vs median
+$15,000
Where does this data come from? Hide details
US figures: Federal Reserve, Survey of Consumer Finances, 2022 release. Canadian figures: Statistics Canada, Survey of Financial Security. Percentile within each age bracket is linearly interpolated from the published 25th, 50th, 75th, and 90th-percentile points.
How net worth grows with age
Net worth isn't a flat distribution — it scales heavily with age. In the US, the median household under 35 has about $39,000 in net worth. By age 55–64, that jumps to $364,500. The pattern is universal: small in your 20s, accelerating through your 40s and 50s, peaking near retirement.
Three things drive that growth: compounding investment returns (your money doubling every ~10 years at historical returns), home equity (paying down a mortgage builds it; the home itself usually appreciates), and retirement contributions (401(k) and IRA balances that grow tax-deferred).
That's why the percentile is age-relative. Being in the 25th percentile at 28 isn't the same as being in the 25th at 58. A young low percentile usually just means you haven't had time. A high percentile in your 60s usually means decades of consistent saving plus a few good market cycles.
How to read your result
- 1
The percentile is for your age bracket
"Top 23%" means top 23% of households in your country, ages your-bracket. It's not against the whole population.
- 2
The number isn't fate
If you're below median, your savings rate matters more than the snapshot. Most of the people in the top 10% by 60 spent decades just steadily contributing.
- 3
Track it over time
A single snapshot is a noisy data point. Tracking your net worth monthly is what makes the trend obvious — that's what Worthy is for.
Net worth by age FAQ
Where does the data come from?
US figures come from the Federal Reserve's Survey of Consumer Finances (SCF), 2022 release — the most recent full survey, published at federalreserve.gov/econres/scfindex.htm. Canadian figures come from Statistics Canada's Survey of Financial Security (SFS), at statcan.gc.ca/en/survey/household/2620. Both are the standard government wealth surveys for their countries and are updated every few years.
What counts as net worth?
Everything you own (assets) minus everything you owe (liabilities). Assets include retirement accounts, brokerage, cash, real estate, vehicles, and other meaningful holdings. Liabilities include mortgages, student loans, credit card balances, and any other debt.
Why is my percentile lower than I expected?
Net worth is heavily skewed by age — most wealth in any country sits with people over 55. If you're under 35, the median net worth for your age is much lower than you might assume. The percentile is relative to your age bracket, not to the whole population.
Should I include my home equity?
Yes — both the SCF and SFS include the market value of your home (minus the mortgage) as part of net worth. So if you're comparing your number to the survey, include your home equity too.
Are the numbers in nominal or real dollars?
Nominal. The 2022 SCF figures are in 2022 dollars; SFS figures are in their survey year's dollars. They aren't inflation-adjusted, so very recent net worth numbers may run higher than the survey snapshots.
Is my data private when I use this calculator?
Yes. Everything runs in your browser. We don't store your inputs, we don't send them to a server, and we don't track you across sessions.