See how your finances stack up against your peers. Percentile rankings based on Federal Reserve SCF and BLS data.
= 8.0% of income
Room to Grow
Among 30-39 year olds in the United States
$75,000/yr
Median for your age: $60,000
$50,000
Median for your age: $90,000
8.0%
Median for your age: 10%
$30,000
Retirement Savings Breakdown
$15,000
Total Debt Breakdown
Where you fall among 30-39 year olds
| Metric | You | Median | Top 25% | Your Rank |
|---|---|---|---|---|
Income | $75,000 | $60,000 | $90,000 | 63th |
Net Worth | $50,000 | $90,000 | $250,000 | 36th |
Savings Rate | 8.0% | 10% | 20% | 40th |
Retirement Savings | $30,000 | $45,000 | $120,000 | 38th |
Total Debt | $15,000 | $35,000 | $10,000 | 70th |
Year-over-Year Projection
Personalized Action Plan
A key metric lenders use to evaluate your financial health.
Total DTI Ratio
20.0%
Good
Est. Monthly Payments
$300
~2% of total debt
Monthly DTI
4.8%
of monthly gross income
Your debt level is within healthy limits. Lenders generally prefer a DTI below 36% for mortgage approval.
PRO members get all 5 metric breakdowns, 10-year projections, and a personalized action plan to level up their finances.
The Survey of Consumer Finances (SCF) is conducted every three years by the Federal Reserve Board and is one of the most comprehensive datasets on American household wealth. Our net worth, income, and retirement benchmarks are derived from the 2022 SCF data, the most recent available survey.
Income percentile data is supplemented with Bureau of Labor Statistics (BLS) earnings reports, which provide detailed breakdowns by age group. Savings rate benchmarks use BEA Personal Saving Rate data combined with age-adjusted estimates.
Your percentile is calculated using linear interpolation between known percentile points (10th, 25th, 50th, 75th, and 90th). This provides a smooth estimate of where you fall in the distribution. The overall score is the average of all individual metric percentiles.
Benchmark data represents national averages and may not reflect regional cost-of-living differences. High-cost-of-living areas (NYC, SF, LA) typically require higher incomes and net worth for equivalent lifestyle quality. Your financial health depends on many factors beyond what simple percentile rankings can capture.
Your inputs carry over automatically. Just pick a tool.
FIRE Calculator
FIRE Planning
Use your net worth to plan early retirement
Debt Payoff
Payoff Strategy
Eliminating debt is the fastest way to boost your net worth.
Investment Fee Analyzer
Fee Impact
See how fees affect your portfolio growth
Compound Interest
Project Growth
See how your net worth compounds over time
Track your net worth with detailed asset and liability breakdowns, then see how you compare to your peers with percentile rankings based on Federal Reserve SCF data.
Net worth = Total Assets minus Total Liabilities. Assets include cash, investments, property, and vehicles. Liabilities include mortgages, loans, and credit card debt.
According to the Federal Reserve Survey of Consumer Finances (2022), the median net worth by age is: Under 35 ($39,000), 35-44 ($135,600), 45-54 ($247,200), 55-64 ($364,500), 65-74 ($409,900), 75+ ($335,600). The "How Do You Compare?" section lets you select your age group and see how you stack up against the median and average.
Average net worth is heavily skewed by ultra-wealthy households. For example, the average for ages 55-64 is $1.57M, but the median is $364,500. The median represents the typical American much better since half the population is above and half below.
Monthly or quarterly tracking helps identify trends. Use the Snapshot feature to save your current net worth and track changes over time with the trend chart.
Yes, home equity (current home value minus mortgage balance) is a legitimate asset and standard part of net worth. However, many financial advisors track "investable net worth" separately, which excludes the primary residence because it cannot easily fund retirement spending. The calculator shows both figures so you can plan with the right number for each goal.
Yes, all retirement accounts (401k, IRA, Roth IRA, 403b, pension cash value) count as assets at their current market value. Some calculators apply a "tax adjustment" to traditional 401k/IRA balances since you owe income tax on withdrawals, but the standard convention is to use the gross balance. The Federal Reserve SCF data uses gross balances for the percentile rankings shown here.
A common rule of thumb is your net worth should equal 1x your annual income by age 30, 3x by age 40, 6x by age 50, 8x by age 60, and 10x by age 67. This trajectory leads to a retirement nest egg roughly equal to 25x your spending, the standard FIRE benchmark. Your actual target depends on lifestyle, dependents, and Social Security expectations.
