About Our Federal Reserve Data
Transparency & science-backed methodology behind our net worth percentile calculations.
The Federal Reserve Survey of Consumer Finances (SCF)
Our net worth percentile calculations are benchmarked against official triennial survey datasets published by the **Board of Governors of the Federal Reserve System** (Survey of Consumer Finances). The SCF is widely considered the gold standard for analyzing household income, asset allocation, debt, and wealth distribution in the United States.
Median vs. Average Net Worth
Many financial news outlets report "Average Net Worth", which is heavily skewed upward by ultra-high-net-worth billionaires (top 0.1%). We emphasize **Median Net Worth (50th Percentile)** and granular percentile bands (10th, 25th, 50th, 75th, 90th, 95th, 99th) to give you an accurate, real-world comparison for your specific age group.
The Primary Residence (Home Equity) Debate
Financial experts and communities like r/personalfinance frequently debate whether home equity should be included in net worth. To solve this, our calculator includes a real-time **Include Primary Residence** toggle so you can measure both total net worth and liquid net worth.
100% Client-Side Privacy
We do not store your financial data, collect email addresses, or transmit your net worth numbers to external servers. All math occurs 100% inside your Web browser.