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A net worth by age calculator adds up your assets, subtracts your liabilities, and tells you whether your number is above or below the median for your age bracket. The formula is net worth = total assets − total liabilities. The median U.S. household net worth is $192,700, and for ages 35-44 it is $135,600, per the Federal Reserve's 2022 Survey of Consumer Finances. Enter your assets, debts, and age above to see your net worth, your home equity, and how you compare to your age group.
Age bracket: 35-44
Your net worth is $225,000 ($495,000 assets − $270,000 liabilities) at age 40 (35-44).
Total Assets
$495,000
Sum of all asset rows
Total Liabilities
$270,000
Sum of all liability rows
Net Worth
$225,000
Assets minus liabilities
Home Equity
$100,000
Home value ($350,000) − mortgage ($250,000)
Net Worth Excluding Home Equity
$125,000
Net worth ($225,000) − home equity ($100,000)
At age 40 (35-44) with a net worth of $225,000, you are above the median of $135,600 for your age bracket.
Your Net Worth
$225,000
Median (35-44)
$135,600
Half of households above, half below
Average (35-44)
$549,600
Mean (skewed by high-wealth households)
Source: Federal Reserve Survey of Consumer Finances 2022 (released October 2023, latest available). Figures are in 2022 dollars. The next SCF release is expected late 2026.
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A net worth by age calculator does two things: it computes your personal net worth from your assets and liabilities, and it places that number next to the median and average for your age bracket so you can see whether you are ahead of, behind, or in line with your peers. The calculator above uses the Federal Reserve's 2022 Survey of Consumer Finances (SCF), released in October 2023, as the benchmark source. The SCF is the most authoritative household wealth survey in the United States and is conducted every three years; the next release is expected in late 2026.
Net worth itself is a single subtraction: total assets minus total liabilities. Assets include cash, retirement accounts, investment accounts, home value, vehicles, and anything else you own that has monetary value. Liabilities include your mortgage balance, auto loans, student loans, credit card balances, and any other debts. The result can be negative, which means you owe more than you own; the calculator shows negative net worth in red.
Why median beats average for comparison: wealth is heavily concentrated, so the average (mean) is pulled sharply upward by households at the very top. The median is the middle value, with half of households above and half below, so it reflects a typical household in your bracket. The calculator shows both, but the plain-English verdict above your result uses the median.
The calculation is a straight subtraction. The calculator sums every asset row you enter, sums every liability row, and subtracts the second total from the first. It also identifies your home value and mortgage balance by row label (any row whose label contains "home" or "mortgage") to compute home equity separately, then subtracts home equity from net worth to show net worth excluding home equity. You can rename, add, or delete any row, and every preset row is deletable.
Worked Example: $225,000 Net Worth at Age 40
Assets: $50,000 cash + $80,000 retirement + $350,000 home + $15,000 car = $495,000. Liabilities: $250,000 mortgage + $12,000 auto + $8,000 cards = $270,000. Net worth: $495,000 − $270,000 = $225,000. Home equity: $350,000 − $250,000 = $100,000. Net worth excluding home equity:$225,000 − $100,000 = $125,000. Every figure is exact and matches the calculator's default values.
At age 40, this household falls in the 35-44 bracket, where the median is $135,600. With $225,000, they are above the median, which puts them in the top half of their age group. The calculator shows this verdict in a plain sentence so you do not have to do the comparison yourself.
U.S. Net Worth by Age Bracket (Federal Reserve SCF 2022)
| Age Bracket | Median | Average |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35-44 | $135,600 | $549,600 |
| 45-54 | $247,200 | $975,800 |
| 55-64 | $364,500 | $1,566,900 |
| 65-74 | $409,900 | $1,794,600 |
| 75+ | $335,600 | $1,624,100 |
| All households | $192,700 | $1,063,700 |
Source: Federal Reserve Survey of Consumer Finances 2022, released October 2023. Figures are in 2022 dollars. The next SCF release is expected late 2026.
A net worth percentile calculator tells you what percentage of households have a lower net worth than you. The Federal Reserve publishes median (the 50th percentile) and average by age bracket from the SCF, but it does not publish official by-age percentile cutoffs for the 90th, 95th, or 99th percentile. Percentile tables you see online that break down net worth by age and percentile are third-party estimates produced by analyzing the SCF microdata, and should be treated as approximations rather than official figures.
The most reliable comparison the SCF directly supports is against the median for your age bracket, which is what the calculator above uses. Being above the median puts you in the top half of your bracket; being below puts you in the bottom half. That is a clean, defensible comparison. If you want a finer percentile estimate, use a tool that explicitly cites the SCF microdata and discloses its methodology, and treat the result as approximate.
A useful sanity check: the gap between median and average within each bracket tells you how skewed the distribution is. For the 55-64 bracket, the median is $364,500 and the average is $1,566,900, which means a small number of very high-wealth households pull the average far above the typical household. This is exactly why median is the better benchmark for "how am I doing compared to a typical household my age."
The Federal Reserve does not publish an official by-age top 1% net worth threshold from the Survey of Consumer Finances. National analyses of the SCF 2022 microdata put the overall top 1% household net worth threshold (across all ages) in the low teens of millions of dollars, commonly cited around $13 to $14 million. Treat this as an estimate range, not an official figure.
That threshold varies strongly by age because wealth accumulates over a lifetime. A top 1% net worth at age 30 is much lower than a top 1% net worth at age 60, simply because a 30-year-old has had far less time to accumulate. Third-party estimates of by-age top 1% thresholds exist, but they are derived from the same SCF microdata with different methodologies and produce different numbers, so we do not cite a specific dollar figure by age here.
For most households, the more useful question is not "am I in the top 1%" but "am I above the median for my age," which the calculator above answers directly. The median is the cleanest published benchmark, and being above it puts you in the top half of your bracket, which is a meaningful milestone on its own.
Home equity is the largest asset for most U.S. households, so any accurate net worth calculator must include it. The calculator above treats home value as an asset and mortgage balance as a liability, then computes home equity as home value minus mortgage balance and shows it on a dedicated line. It also shows net worth excluding home equity, which is your liquid (or at least non-housing) wealth: cash, retirement, investments, vehicles, and other assets minus all debts.
Why show both? Lenders and some analysts look at net worth excluding home equity when assessing whether you can cover obligations without selling your home. A household with $300,000 of home equity and $10,000 of other savings is in a very different liquidity position from one with $310,000 of liquid investments and no home equity, even though both have the same total net worth. The two numbers together give a fuller picture.
Using the worked example above: total net worth is $225,000, home equity is $100,000 ($350,000 home minus $250,000 mortgage), and net worth excluding home equity is $125,000. That $125,000 is the household's non-housing wealth, spread across cash, retirement, and a vehicle. The calculator updates all three numbers live as you edit any row.
To answer "am I above average net worth for my age," compare your net worth to the median for your age bracket, not the average. Median is the better test because the average is skewed upward by high-wealth households. In the 35-44 bracket, for example, the median is $135,600 and the average is $549,600; a household with $200,000 of net worth is well above the median but well below the average, so the answer depends entirely on which benchmark you use.
The calculator above settles this by giving you a plain sentence: it tells you whether you are above or below the median for your bracket, and it shows the median and average side by side so you can see both. Being above the median puts you in the top half of your age group, which is a solid, defensible answer to the above-average question. The average is shown for context, but the verdict uses the median.
One caveat: the benchmark figures are from the 2022 SCF, in 2022 dollars. If your assets have appreciated since then (especially home value), your real standing may be slightly different in 2024 dollars, but the SCF remains the most recent authoritative survey until the 2025 SCF is published in late 2026. Use the numbers as a snapshot, not a real-time update.
Browse all tools on the Savings Calculators hub. If you are weighing whether to break a CD to free up cash, the CD Early Withdrawal Penalty Calculator shows the penalty, your net proceeds, and whether breaking the CD beats keeping it to maturity. If your net worth is weighed down by high-interest debt, the Debt Payoff Calculator compares snowball and avalanche strategies and shows your debt-free date. If home equity is a big part of your net worth and you are considering buying more house, the Home Affordability Calculator applies the 28/36 DTI rule to find the home price your income supports.