NetWorth.Federal Reserve Intelligence
Official US Federal Reserve SCF Dataset

Net Worth Calculator by Age

Benchmark your personal wealth percentile against official US population data.

32 years
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-$20k$100k$500k$1M$2M+
Wealth Percentile Benchmark
Top 28% Percentile

At age 32 with $120,000 net worth, you have more wealth than 72% of Americans in your age group.

US Population Wealth Distribution CurveYou are at 72%
Median (50th)$39,000
Top 25% (75th)$145,000
Top 10% (90th)$340,000
Top 1% (99th)$1,400,000
Recommended Asset Allocation for Age 32Benchmark Model
Wealth Goal Milestone

To reach the Top 10% for your age group, you need an additional $220,000.

Understanding US Net Worth Benchmarks

Net worth represents the total value of all your assets (savings, investments, retirement accounts, home equity) minus all liabilities (mortgages, student loans, consumer debt).

According to official data from the Federal Reserve Survey of Consumer Finances (SCF), household wealth expands significantly as Americans advance through their peak earning years and compound investment returns.

Average vs. Median Net Worth

Financial media frequently reports "Average Net Worth", which is mathematically distorted by ultra-wealthy billionaires. Median Net Worth (50th Percentile) represents the true midpoint of the population—50% of people have more, and 50% have less—making it the most accurate baseline for personal comparison.

Frequently Asked Questions

What is the average net worth by age in the US?

According to the Federal Reserve, median net worth by age is: Under 35 (~$39,000); 35-44 (~$135,600); 45-54 (~$247,200); 55-64 (~$364,500); 65-74 (~$409,900).

Should I include primary residence home equity in my net worth?

Total net worth includes home equity (home value minus mortgage). Liquid net worth excludes primary residence home equity to focus strictly on cash and liquid investments. Our tool allows you to toggle both.

What net worth puts you in the top 10% under age 35?

For Americans under age 35, a net worth of approximately $340,000 puts you in the 90th percentile (top 10%).

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