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Federal Reserve SCF data
See where your net worth really ranks.
Estimate your percentile among U.S. households and people in your age group. Enter one number or build it from assets and debts, then see the next wealth milestones—not just an average distorted by the very richest households.
Calculate your household net worth
Use household values if you want to compare with the Fed’s family-level survey. Your entries stay in your browser.
Total assets minus total debts. Negative values are valid.
Adds a peer comparison; national rank is always shown.
2026 estimates use CPI-U, not a new SCF survey.
Assets
Debts
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Your position in the wealth distribution
The marker shows the estimated national percentile. Percentile 70 means an estimated 70% of households have a lower net worth—not that you own 70% of the wealth.
| Benchmark | All households | Selected age group | Your position |
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How to use the calculator
1. Calculate net worth
Enter assets minus debts directly, or open the guided balance sheet to total cash, investments, retirement accounts, property and liabilities.
2. Choose a comparison
National rank is always shown. Select an age band for a more relevant comparison with households that had similar time to accumulate wealth.
3. Read ranges, not destiny
Use the estimate as a benchmark. Housing costs, family structure, pensions, geography and goals can matter more than percentile rank.
What counts in household net worth?
Net worth = everything you own − everything you owe
Common assets
- Checking, savings and certificates of deposit
- Brokerage investments and business equity
- 401(k), IRA and other account balances
- Current home and other real-estate value
- Vehicles and other material assets
Common liabilities
- Mortgages and home-equity loans
- Student and auto loans
- Credit-card balances
- Personal, medical and business debt
- Other amounts you are obligated to repay
Avoid double counting home equity. If you enter the full market value of a home as an asset, also enter the outstanding mortgage as debt. Alternatively, enter equity alone and leave that mortgage out—but do not do both.
Why median beats average for this comparison
Median
The midpoint: half of surveyed families are below it and half above. It is usually the clearest “typical household” benchmark.
Mean
Total wealth divided by the number of families. Very high fortunes pull the average far above the experience of most households.
Percentile
Your estimated position across the full distribution. It adds detail that a single national median cannot provide.
Data method and limitations
This calculator uses the Federal Reserve’s corrected April 2024 public summary extract for the 2022 Survey of Consumer Finances. We calculated weighted household net-worth thresholds nationally and for the Fed’s six age groups. The public file contains five imputed records per surveyed family; estimates use the supplied survey weights across those implicates.
The optional current-dollar view multiplies thresholds by the ratio of June 2026 CPI-U (333.952) to the 2022 annual CPI-U reference (approximately 292.655), a factor of about 1.141. It is an inflation translation of 2022 thresholds—not evidence that the wealth distribution itself stayed unchanged.
Educational estimate, not financial advice. Interpolation between survey thresholds is approximate. The SCF is a sample, asset values are self-reported or estimated, and age groups use the reference person. The tool does not value Social Security or future defined-benefit pension income.
Net worth percentile FAQs
What is the median U.S. household net worth?
The 2022 SCF public data place the weighted median near $192,700 in 2022 dollars. A June 2026 CPI-only translation is about $220,000, but that is not a new wealth survey.
How much net worth is needed for the top 10%?
The 90th-percentile threshold is about $1.94 million in official 2022 dollars, or roughly $2.21 million after the calculator’s June 2026 CPI adjustment.
Does home equity count?
Yes. Net worth includes the home’s value and subtracts mortgage debt. Entering full property value plus mortgage debt gives the same conceptual result as entering home equity alone.
Should retirement accounts count?
Yes, defined-contribution account balances such as a 401(k) or IRA are assets. Future Social Security and defined-benefit pension income are not capitalized in this simplified balance sheet.
Why compare by age?
Older households have generally had longer to save, invest and build home equity. Age comparison adds context, though it still cannot account for geography, inheritance or household size.
Can net worth be negative?
Yes. Debts can exceed assets, especially early in a career or after large education, medical or business borrowing. The official distribution includes negative values.
Official sources
- Federal Reserve — 2022 Survey of Consumer Finances: most recent official survey and corrected public extract.
- Federal Reserve — Changes in U.S. Family Finances from 2019 to 2022: summary findings and definitions.
- BLS — June 2026 CPI-U table: current-dollar inflation adjustment.