Your path
Projected net worth in today's dollars, with steady monthly saving and a steady return. Real markets go up and down along the way.
How this works
Today's dollars. Goals, savings and returns are all after inflation, so a 5% return here means about 5% more buying power each year.
Percentile goals use the 2025 SCF net worth of households around your goal age (three years either side). It assumes that distribution keeps pace with inflation.
Is the return realistic? Over long periods, a globally diversified stock portfolio has returned roughly 5–7% a year after inflation, and a mix with bonds less. Green means 5% or less, amber means up to your limit, red means above it.
Not financial advice. A rough planning guide only; taxes, fees and market swings are not included.
Financial assets
–percentile
Home equity
–percentile among owners
Where the money sits
Home equity and financial assets side by side: you and the typical (median) owner and renter in this age range.
Home equityFinancial assets
Homeownership by age
Share of US households that own their home, by age of the household head. Your age range is highlighted.
Financial assets ladder
Financial assets at each step for this age range, all households. Filled dots are the steps you've reached.
How this works
Home equity is what your primary home is worth minus the mortgage and any home-equity loans on it. It's ranked only against homeowners in the age range.
Financial assets follow the Fed's definition: bank and brokerage accounts, stocks, bonds, funds, retirement accounts and cash-value life insurance. Cars, other property and businesses aren't included, and debts aren't subtracted. It's ranked against all households in the age range.
Typical owner and renter bars use each group's median home equity and median financial assets, so the two parts don't come from one specific household.
Common questions
What is the median net worth in the US?
The median US household had a net worth of about $215,916 in the 2025 Survey of Consumer Finances. It rises with age, from $32,630 for households under 35 to $511,440 for those 75 and over.
What net worth puts you in the top 10% or top 1%?
Across all US households, the top 10% starts at about $2,550,306 and the top 1% at about $16,463,320. Both are much lower for younger households: under 35, the top 10% starts at about $350,584.
How many US households are millionaires?
About 29 million households, roughly 1 in 5, have a net worth of $1 million or more. For about 8 million of them, home equity is what takes them over $1 million.
Does net worth include my home?
Yes. Net worth counts everything you own, including your home at market value, minus everything you owe, including your mortgage. The Home split tab separates home equity from financial assets.
Why is the mean so much higher than the median?
A small number of very wealthy households pull the average up. The median, the household exactly in the middle, is a better guide to what is typical.
Is anything I type saved?
No. All calculations run in your browser; nothing is stored or sent anywhere.
My story
At 24 I had my first job, a rented apartment and student loans that felt like they would never end. I started tracking my net worth, and watching it move became a habit.
I said yes to my chances to grow at work and avoided lifestyle creep along the way. At 30 I made my final loan payment, yay!
Then came the question this site answers: was I actually doing okay for my age?
Mrs. Net Worth is the tool I wish I'd had back then: the Federal Reserve's numbers in the latest SCF survey, any age range you like, and nothing you type is ever saved.
Mrs. Net Worth
About the numbers
Source. Federal Reserve Board, 2025 Survey of Consumer Finances, summary extract (SCFP2025, released October 9, 2026). Net worth is the Fed's NETWORTH: all assets minus all debts.
What counts. Bank accounts, investments, retirement accounts and account-type pensions, cash-value life insurance, vehicles, homes and other real estate at market value, and business equity, minus mortgages, car and student loans, credit cards and other debt. Future Social Security and defined-benefit pensions are not counted.
Age. The age of the household head. For couples the SCF uses the older partner or, in mixed-sex couples, the man. Results are per household, not per person.
Method. The survey imputes missing answers five times ("implicates"). Percentiles and your rank are computed in each implicate with the survey weights and then averaged, as the Fed does. "Similar households" are those within 5 percentile points of your rank; "median households" sit between the 45th and 55th percentiles.
Reliability. A single year of age has only about 70–90 surveyed households. Use a 5–10 year range for steadier results, especially above the 90th percentile and for the comparison sections.
Dollars. Values are 2025 dollars. Prices have risen since, so a 2026 figure compared here looks slightly better than it is. Amounts entered in € are converted at the rate you enter.