Net Worth Percentile Calculator
Enter your net worth and age to see your percentile rank two ways: against all US households and against households in your age bracket. Data is the Federal Reserve's 2022 Survey of Consumer Finances.
Watch your percentile climb, automatically.
Connect your accounts and Bonsave tracks your net worth every month, no spreadsheet required.
What percentile is my net worth?
The median US household net worth is about $192,000, so if your net worth is above that figure you are in the top half of American households. A net worth of $658,000 reaches the top 25 percent, $1.91 million reaches the top 10 percent, $3.78 million reaches the top 5 percent, and $13.6 million reaches the top 1 percent. All figures come from the Federal Reserve's 2022 Survey of Consumer Finances, the most recent release.
The net worth percentile calculator above gives you the exact rank for your number, both against every US household and against households headed by someone your age. The age comparison is usually the more meaningful one: wealth compounds over a working lifetime, so a 30 year old and a 60 year old with identical net worths are in completely different positions.
Is $1 million net worth a high percentile?
Yes. A $1 million net worth ranks around the 82nd percentile of all US households, higher than roughly 4 out of 5 American families. Here is where common dollar amounts land against all US households in the 2022 SCF:
| Net worth | Percentile (all US households) |
|---|---|
| $500,000 | 70th |
| $1 million | 82nd |
| $1.5 million | 87th |
| $2 million | 90th |
| $2.5 million | 92nd |
| $3 million | 93rd |
| $3.5 million | 94th |
| $4 million | 95th |
| $5 million | 96th |
| $8 million | 98th |
| $10 million | 98th |
| $15 million | 99th |
Two things stand out. First, the distribution is brutally right-skewed: the jump from the 82nd percentile ($1 million) to the 99th ($13.6 million plus) covers more than 13x the wealth. Second, percentiles compress near the top. Going from $8 million to $10 million barely moves your rank, because the top 2 percent of households hold wealth across an enormous range.
Why the same net worth ranks differently by age
A $1 million net worth is around the 96th percentile for households aged 30 to 34, but only around the 72nd percentile for households aged 60 to 64. That is not a rounding quirk; it is compounding. Older households have had decades of saving, market growth, and home appreciation, so the bar for any given percentile rises steadily with age. The median net worth for ages 30 to 34 is about $88,000, while the median for ages 60 to 64 is about $391,000, more than four times higher. When you judge your progress, the within-bracket percentile is the honest comparison.
Net worth needed for the top 10% and top 1% by age
These are the 90th and 99th percentile net worth thresholds for each age bracket in the 2022 SCF, rounded to three significant figures:
| Age bracket | Top 10% threshold | Top 1% threshold |
|---|---|---|
| Under 25 | $175,000 | $638,000 |
| 25-29 | $292,000 | $1.95M |
| 30-34 | $538,000 | $2.49M |
| 35-39 | $855,000 | $4.63M |
| 40-44 | $1.16M | $7.16M |
| 45-49 | $1.42M | $8.54M |
| 50-54 | $2.57M | $13.1M |
| 55-59 | $2.66M | $15.3M |
| 60-64 | $3.04M | $17.7M |
| 65-69 | $2.93M | $21.8M |
| 70-74 | $2.99M | $18.6M |
| 75+ | $2.69M | $17.3M |
For the median and the 25th through 99th percentile at every age, see our average net worth by age guide, which uses the same dataset.
How the percentile is calculated
All numbers come from the Federal Reserve's Survey of Consumer Finances (SCF), 2022 release, the gold standard for US household wealth data. The survey covers 4,595 households, oversamples wealthy households to capture the top of the distribution, and publishes five imputation replicates with population weights.
We computed weighted net worth percentiles per replicate, averaged them, and stored 28 points per distribution (1st through 99th percentile) for all households combined and for each five-year age bracket. Your rank is linearly interpolated between the two nearest surveyed points, so a result like "83rd percentile" is an estimate with roughly single-percentile precision, not a survey-reported value. Net worth here excludes defined-benefit pension wealth and future Social Security benefits, which is the SCF's standard definition.
Updated July 13, 2026. The SCF is triennial; we will refresh this page when the 2025 release lands (expected late 2026 or 2027).
First, know your number
This tool assumes you already know your net worth. If you do not, use our net worth calculator to add up your assets and debts first, then bring the total here. And since your percentile only improves if the underlying number grows, Bonsave can track your net worth automatically every month so you can watch the rank climb instead of recalculating it by hand.
Frequently asked questions
What percentile is $1 million net worth?
A $1 million net worth puts a US household at roughly the 82nd percentile overall, meaning it is higher than about 82 percent of all American households, based on the Federal Reserve's 2022 Survey of Consumer Finances. Age changes the picture dramatically: $1 million ranks around the 96th percentile for households aged 30 to 34, but only around the 72nd percentile for households aged 60 to 64.
What net worth puts you in the top 10 percent?
About $1.91 million in net worth puts a household in the top 10 percent of all US households in the 2022 SCF. By age bracket, the top-10-percent threshold is roughly $292,000 for ages 25 to 29, $538,000 for ages 30 to 34, $1.16 million for ages 40 to 44, $2.57 million for ages 50 to 54, and $3.04 million for ages 60 to 64.
What net worth is the top 1 percent?
Roughly $13.6 million in household net worth marks the top 1 percent of all US households in the 2022 Survey of Consumer Finances. The threshold rises steeply with age: about $2.5 million reaches the top 1 percent for ages 30 to 34, while ages 60 to 64 need about $17.7 million.
What percentile is $3 million net worth?
A $3 million net worth is around the 93rd percentile of all US households in the 2022 Survey of Consumer Finances. By age, $3 million sits just under the top-10-percent threshold for households aged 60 to 64 (about $3.04 million) but comfortably inside the top 10 percent for every bracket under 55.
What percentile is $5 million net worth?
A $5 million net worth ranks around the 96th percentile of all US households, based on the Federal Reserve's 2022 SCF. It clears the top-5-percent threshold overall (about $3.78 million) and exceeds the top-1-percent threshold for households aged 35 to 39 (about $4.63 million).
What percentile is $10 million net worth?
A $10 million net worth is around the 98th percentile of all US households in the 2022 SCF. The top 1 percent overall starts at roughly $13.6 million, so $10 million is inside the top 2 percent but not yet the top 1 percent, except in younger brackets: for households under 45, $10 million is well past the top-1-percent threshold.
Is $2 million a good net worth?
Yes. A $2 million net worth is around the 90th percentile of all US households, higher than roughly 9 in 10 American families. Within the 50 to 54 age bracket it ranks near the 87th percentile, and at a 4 percent withdrawal rate it could support about $80,000 of annual spending in retirement.
How is my net worth percentile calculated?
The calculator compares your net worth to the Federal Reserve's 2022 Survey of Consumer Finances, the most authoritative source of US household wealth data, covering 4,595 households with population weights. We interpolate between 28 surveyed percentile points (1st through 99th) to estimate your rank, both against all households and within your five-year age bracket.
How is this different from a regular net worth calculator?
A regular net worth calculator adds up your assets and subtracts your debts to produce a dollar figure. A net worth percentile calculator takes that dollar figure and ranks it against other US households. If you have not calculated your net worth yet, start with our net worth calculator, then bring the number here to see where it ranks.