Tool · Invest
Net worth percentile calculator
Enter your age, assets, and debts. See where you rank among U.S. households your age, based on the Federal Reserve's 2022 Survey of Consumer Finances.
Your numbers
Cash + investments + retirement accounts + home equity + car value + everything else you own.
Mortgage balance + student loans + credit cards + auto loans + any other debt.
Your percentile
Net worth — 35–44 cohort
$100,000
You're ahead of approximately
43% of U.S. households your age
The median for 35–44 is $135,600. You're behind the median by $35,600.
Cohort breakpoints
| Percentile | Net worth |
|---|---|
| 10th | $0 |
| 25th | $14,000 |
| 50th | $135,600 |
| 75th | $437,000 |
| 90th | $1,300,000 |
| 95th | $2,500,000 |
| 99th | $10,000,000 |
Source: 2022 Federal Reserve Survey of Consumer Finances. Within-cohort breakpoints are interpolated from SCF percentile tables. Updated when 2025 SCF releases (~Oct 2026).
Building net worth from here
The biggest levers at this stage are a high-yield emergency fund and a 401(k) match. Park cash where it earns; never leave employer match on the table.