Living costs
Compare household net worth with Federal Reserve SCF thresholds for your age group.
When to use this
It is built for quick orientation: assets minus debts, matched to the age group used in SCF-style household comparisons.
Default result
The server-rendered age 40 example is about p60.3 in the 35 to 44 SCF age group.
Median for age 35 to 44
The embedded SCF p50 threshold for age 35 to 44 is $135,300 household net worth.
Top 10 threshold
For age 35 to 44, p90 is $1,049,650. Older groups have different thresholds.
Household concept
This calculator compares household balance sheets, not individual brokerage accounts or income.
The default example uses age 40 and household net worth of $250,000.
Age 40 maps to the 35 to 44 SCF age group. In that group, p50 is $135,300 and p75 is $415,000.
$250,000 is $114,700 above the median and $165,000 below p75.
Linear interpolation between p50 and p75 gives 50 + ((250,000 - 135,300) / (415,000 - 135,300)) x 25 = p60.3.
| Topic | Reference | Source | Date |
|---|---|---|---|
| US household net worth | Federal Reserve 2022 Survey of Consumer Finances Summary Extract, variables age, wgt, and networth, grouped into common age bands. The embedded thresholds were calculated from the official 2022 SCF Summary Extract using household weights. They are static until refreshed. | Federal Reserve Survey of Consumer Finances | As of June 20, 2026 |
| Net worth definition | Net worth is assets minus debts. It includes home equity, retirement accounts, businesses, vehicles, financial assets, and liabilities in the SCF concept. This calculator asks for your total household net worth, not only liquid investments. | Federal Reserve SCF documentation | As of June 20, 2026 |
| Calculation model | The entered household net worth is compared with p10, p25, p50, p75, p90, p95, and p99 thresholds for the selected age group, with linear interpolation between adjacent thresholds. Percentiles are approximate because the embedded table is intentionally compact and does not use every SCF microdata row in the browser. | Useful Atlas calculation model | As of June 20, 2026 |
Net worth is assets minus debts. Include checking, savings, taxable investments, retirement accounts, home equity, vehicles, business equity, and other assets, then subtract mortgages, student loans, credit cards, auto loans, and other debts.
The Federal Reserve Survey of Consumer Finances is household-based, so this calculator estimates a household net worth percentile by the age of the household reference person.
The 2022 Survey of Consumer Finances is the latest triennial SCF data embedded in this page as of June 20, 2026. Asset prices and household finances change, so owner sign-off is needed before publishing.
Net worth usually changes across the life cycle as people pay debt, buy homes, save for retirement, inherit assets, retire, or spend down savings.
No. It compares your household net worth with other US households in an age group. Your plan also depends on income, expenses, dependents, location, risk, and goals.
The browser uses a compact threshold table and interpolates between major percentiles. It is useful for orientation, not for research-grade distribution analysis.
