Your net worth percentile is where your household ranks against every other US household. The median US net worth is about $192,000, so anything above that is the top half. $658,000 reaches the top 25%, $1.91 million the top 10%, and $13.6 million the top 1%, per the Federal Reserve's 2022 Survey of Consumer Finances. Your rank within your own age bracket usually matters more. Enter your net worth and age below to see both.
Looking for a specific amount? Jump to$1M, $1.5M, $2M, $3M, $3.5M, $4M, $4.5M, $5M, $6M, $7M, $8M, $9M, $10M, $20M+ or the top 10% and top 1% thresholds by age.
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.
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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 |
| $4.5 million | 96th |
| $5 million | 96th |
| $6 million | 97th |
| $7 million | 97th |
| $8 million | 98th |
| $9 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.
Net worth percentile by dollar amount
The table above gives the rank; these are the answers in full, for the amounts people ask about most. Every figure is the percentile among all US households in the 2022 SCF, with the age comparison where it changes the answer.
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 percentile is $1.5 million net worth?
A $1.5 million net worth puts a US household at roughly the 87th percentile overall in the Federal Reserve's 2022 Survey of Consumer Finances, so about 13 percent of American households have more. It falls just short of the top 10 percent overall, which starts at about $1.91 million. Age splits the answer sharply: $1.5 million ranks around the 97th percentile for households aged 30 to 34 but only around the 80th percentile for households aged 60 to 64. It does clear the top-10-percent threshold for every age bracket through 45 to 49 (about $1.42 million).
What percentile is $2 million net worth?
A $2 million net worth is around the 90th percentile of all US households in the 2022 SCF, higher than roughly 9 in 10 American families. It clears the top-10-percent threshold for every age bracket through 45 to 49 (about $1.42 million) but falls short of it for ages 50 to 54 (about $2.57 million). At a 4 percent withdrawal rate, $2 million supports about $80,000 of annual spending.
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 $3.5 million net worth?
A $3.5 million net worth is around the 94th percentile of all US households in the 2022 Survey of Consumer Finances, meaning about 6 percent of American families have more. It sits just below the top-5-percent threshold of about $3.78 million. By age, $3.5 million is around the 98th percentile for households aged 35 to 39 but around the 91st percentile for households aged 60 to 64. For households under 35 it already exceeds the top-1-percent threshold, which is about $2.49 million for ages 30 to 34.
What percentile is $4 million net worth?
A $4 million net worth is around the 95th percentile of all US households in the 2022 SCF, just past the top-5-percent threshold of about $3.78 million. Age matters more than the overall number suggests: $4 million is around the 98th percentile for households aged 35 to 39 but around the 92nd percentile for households aged 60 to 64. It remains well short of the top 1 percent overall, which starts at about $13.6 million.
What percentile is $4.5 million net worth?
A $4.5 million net worth is around the 96th percentile of all US households in the 2022 Survey of Consumer Finances. It clears the top-5-percent threshold of about $3.78 million and lands just under the top-1-percent mark for households aged 35 to 39, which is about $4.63 million. The same amount is only around the 93rd percentile for households aged 60 to 64, where the top 1 percent starts at about $17.7 million.
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, so roughly 4 percent of American households have more. It clears the top-5-percent threshold overall (about $3.78 million) but is well short of the top 1 percent, which starts at about $13.6 million. Age changes the answer substantially: $5 million exceeds the top-1-percent threshold for households aged 35 to 39 (about $4.63 million), yet ranks only around the 94th percentile for households aged 60 to 64, where the top 1 percent starts at about $17.7 million. At a 4 percent withdrawal rate, $5 million supports about $200,000 of annual spending.
What percentile is $6 million net worth?
A $6 million net worth is around the 97th percentile of all US households in the 2022 SCF, so about 3 percent of American households have more. It is well past the top-5-percent threshold of $3.78 million but still short of the top-1-percent threshold of $13.6 million. Within an age bracket it goes further: $6 million exceeds the top-1-percent mark for households aged 35 to 39 (about $4.63 million).
What percentile is $7 million net worth?
A $7 million net worth is around the 97th percentile of all US households in the 2022 SCF. It sits just below the top-1-percent threshold for households aged 40 to 44 (about $7.16 million) and well below the $13.6 million that marks the top 1 percent of all households. The gap between the 97th and 99th percentile is wide, which is why an extra million barely moves the rank at this level.
What percentile is $8 million net worth?
An $8 million net worth is around the 98th percentile of all US households in the 2022 Survey of Consumer Finances. The 98th percentile point in the SCF is $8.45 million, so $8 million lands just under it. Reaching the top 1 percent overall takes about $13.6 million.
What percentile is $9 million net worth?
A $9 million net worth is around the 98th percentile of all US households in the 2022 SCF, just past the 98th percentile point of $8.45 million. The top 1 percent overall starts at about $13.6 million, so $9 million sits inside the top 2 percent but not the top 1 percent. Within an age bracket it reaches further: $9 million clears the top-1-percent threshold for households aged 45 to 49 (about $8.54 million) and for every younger bracket.
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.
What percentile is $20 million, $25 million, or $100 million net worth?
All of these are in the top 1 percent of US households, which the 2022 SCF puts at about $13.6 million and above. The survey publishes percentile points up to the 99th, so it cannot separate $20 million from $25 million or $100 million: they all round to the 99th percentile. Past the top 1 percent, a dollar figure stops being a useful rank, because the surveyed distribution has no resolution left above it.
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 percentile by age: top 10% and top 1% thresholds
Net worth percentile by age is the more honest benchmark, because the bar for any rank rises with every decade of saving and compounding. 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 ouraverage net worth by ageguide, which uses the same dataset.
How the percentile is calculated
All numbers come from the Federal Reserve'sSurvey 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 August 10, 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 ournet worth calculatorto add up your assets and debts first, then bring the total here. The rank uses total net worth, home equity and retirement accounts included. For the spendable version of the number, our guide explainswhat liquid net worth means, what counts, and what gets discounted. 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 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.
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.