Income & Wealth Percentile Calculator
Find where you rank in the US income and net worth distribution. See what percentage of Americans earn less than you.
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Understanding Income and Wealth in America
Income and wealth are very different measures. Income is what you earn per year; net worth is what you own minus what you owe. Someone earning $200,000 with $500,000 in debt has negative net worth despite a high income. Conversely, a retired teacher with a modest pension but a paid-off home and $500,000 in savings may have higher net worth than many high earners.
Key benchmarks from the Federal Reserve's Survey of Consumer Finances (2022, latest available): Median household income: $74,580. Median net worth: $192,900. Average net worth is much higher ($1,063,700) because extreme wealth at the top pulls the average up dramatically. The top 10% of households hold approximately 70% of all wealth. Track your own net worth with our Net Worth Calculator.
Net Worth by Age: Where You Should Be
Federal Reserve SCF data shows median net worth by age of household head: Under 35: $39,000 (heavily impacted by student debt). 35-44: $135,600. 45-54: $247,200. 55-64: $364,500. 65-74: $410,000. 75+: $335,600 (declining as retirees spend down). If you are below the median for your age, you are not alone — but it is a signal to prioritize saving and investing. Even starting late, consistent investing can close significant gaps. Use our Retirement Savings by Age Calculator for personalized benchmarks and our Compound Interest Calculator to see how time and consistency build wealth.