DiversiValue
U.S. Net Worth Percentiles·U.S. government data·131 million households

How does your net worth compare?

Find your percentile
how the estimate works ↓
$
Everything you own minus everything you owe — home equity, retirement accounts, cash and investments, minus mortgages and other debts. Shorthand works: 750k, 1.2m, negatives too.
Age of head of household
The survey groups households by the age of the “reference person” — pick the bracket of your household's primary earner.
vs. all U.S. households
—
Enter your net worth above to see where you stand.
vs. your age group
—
Select your age bracket to compare against your peers.

The wealth curve

Net worth on a compressed (log) scale above $10k, linear below. The shaded zone is negative net worth — roughly 1 in 12 U.S. households. Hover to read any percentile.
Net worth thresholds
PercentileWhat it means2026 estimate2022 data

See how households like you hold their wealth and debt

By entering your email, you agree to receive emails from DiversiValue. Unsubscribe anytime. Privacy
Where could your net worth go from here?
Seeing where you stand is step one. One of the best free retirement planners we've seen links to your actual accounts and runs thousands of market scenarios — not one straight-line guess — to show the odds your savings last through retirement, what you can spend, and which changes move the needle most.
Project your retirement →
Links to a third-party tool.

Methodology

  1. Source data. The Federal Reserve's national survey, weighted to represent all 131.2 million U.S. households. Net worth means total assets minus total debts, as the government defines them.
  2. Validation. Our figures use the Federal Reserve's published net worth statistics as their benchmark — the median and mean for all households ($192,700 median) and for every age group.
  3. Age groups. The six brackets are the government's own classification, by age of the household reference person — the same brackets used in government publications.
  4. The “2026 estimate” toggle. The survey is fielded every three years; 2022 is the latest wave. To estimate today's thresholds, each measured threshold is scaled by the growth in per-household wealth for its segment of the distribution, using the Federal Reserve's quarterly data through 2026Q1. Negative net worth is left unadjusted.
  5. Category estimates in the unlocked comparison. In "2026 estimate" mode, each asset and debt category is scaled by the growth of that category's per-household holdings for the band's wealth segment, from the same quarterly Federal Reserve data (homes by real-estate growth, retirement accounts by pension-account growth, cash by deposit growth, and so on), and shown rounded with an ≈ sign.
  6. What this can't tell you. Ranks are for households, not individuals. Traditional pension promises and Social Security aren't counted — the survey's net worth includes retirement accounts, not the value of future pension income, so if you have a defined-benefit pension your real position is stronger than shown. The survey deliberately excludes the Forbes 400, so the extreme top is understated, and estimates beyond the 99.9th percentile aren't reliable — the tool caps there. The 2026 estimate assumes households within each wealth segment grew at the segment average; your actual cohort may differ. None of this is financial advice.