Wealth Percentile Calculator

The Federal Reserve Survey of Consumer Finances (SCF) 2022 found median US household net worth of $192,700. The mean is much higher at $1,063,700 due to extreme wealth concentration at the top. Most households are well below the average.

Total assets minus total debts: home equity, retirement accounts (401k, IRA, Roth IRA), savings and investment accounts, vehicles, business ownership, and other property, minus mortgage, student loans, credit card debt, and other liabilities.

Under 35: median approximately $39,000. Ages 35-44: approximately $135,000. Ages 45-54: approximately $247,000. Ages 55-64: approximately $365,000. Ages 65-74: approximately $410,000 (Federal Reserve SCF 2022). Net worth typically peaks just before retirement. Comparing to age-peer data is more meaningful than comparing to all ages.

Home ownership (primary wealth builder for most households), access to employer retirement plans (401k match), income level and duration, inheritance, and investment in financial assets. Top 10% of Americans hold approximately 67% of total US wealth (Federal Reserve data).

Maximise 401(k) employer match (immediate 50-100% return), pay down high-interest debt, build home equity through ownership, invest regularly in low-cost index funds (Vanguard, Fidelity zero-fee funds), avoid lifestyle inflation with each salary increase.

The ONS Wealth and Assets Survey (2020-22) estimates median household total wealth at approximately 286,000 in Great Britain. This includes property wealth, private pension wealth, financial wealth, and physical wealth (vehicles, household goods). Pension wealth is the largest component for many households.

Net financial wealth (savings, investments minus non-mortgage debt), property wealth (value minus outstanding mortgage), private pension wealth (defined benefit and defined contribution pension value), and physical wealth (vehicles and household contents). State Pension is excluded from ONS wealth estimates.

Median total wealth is much lower for under-35 households (approximately 50,000 to 80,000) and rises sharply with age as pension wealth, property equity, and savings accumulate. Households aged 55-64 typically hold the highest median wealth. Wealth surveys undercount pension wealth for those still accumulating.

Home ownership (disproportionate wealth for owners vs renters), defined benefit pensions (primarily public sector), inherited wealth (Nuffield Foundation estimates inheritance perpetuates inequality), and differential saving rates. The top 10% hold approximately 43% of all UK household wealth (ONS data).

Employer pension matching and salary sacrifice (tax-efficient), buying property as a primary residence (long-term equity build), regular investing in a Stocks and Shares ISA (tax-free growth), paying down mortgage faster, and avoiding high-cost debt.

The ABS Survey of Income and Housing (2021-22) found median household net worth of approximately $578,000. Australia has among the highest median household wealth in the world, driven primarily by property values (particularly in Sydney and Melbourne) and compulsory superannuation.

High residential property prices (particularly in capital cities), 40 years of compulsory superannuation (now 11.5% SGC), relatively high wages, and a stable economy. Property and superannuation together account for over 75% of Australian household wealth on average.

Super is counted in household wealth surveys. A 45-year-old with $200,000 in super, $150,000 in home equity, and minimal other assets would have approximately $350,000 net worth. Australian wealth is somewhat inflated compared to other countries because of compulsory super accumulation from a young age.

Under-35 households typically have median net worth of $100,000 to $200,000 (super plus small savings). Ages 45-54 households often $500,000 to $900,000 (growing super plus property equity). Ages 65 and older often highest due to full super access and paid-off mortgages. Property ownership is the biggest differentiator within age groups.

Salary sacrifice into super (taxed at 15% vs marginal rate), buying property (long-term equity accumulation), paying extra on your mortgage (guaranteed return equal to your rate), investing in low-cost ETFs (VAS, VGS), avoiding high-rate personal debt, and increasing income through skills and career progression.

Statistics Canada Survey of Financial Security (2019) found median family net worth of approximately $329,000. This includes home equity, registered accounts (TFSA, RRSP), non-registered investments, and vehicles, minus all debts. The 2023 update will likely show higher figures due to property appreciation.

Real estate equity (primary residence plus investment property), RRSP and TFSA balances, non-registered investment accounts, defined benefit pension value (commuted value), vehicle value, and other assets, minus mortgage, consumer loans, student debt, and credit card balances.

Under-35 households: median approximately $48,000. Ages 35-44: approximately $234,000. Ages 45-54: approximately $521,000. Ages 55-64: approximately $690,000. Ages 65 and older: approximately $543,000 (Statistics Canada 2019). Home ownership and DB pension access are the primary drivers of higher net worth in older age groups.

Home ownership (owner median wealth approximately $800,000 vs renter $25,000 in 2019), employer pension plan access (government and unionised workers), differential savings rates, inheritance, and income level. Top 20% of Canadian families hold approximately 67% of total household wealth (Statistics Canada).

Maximise TFSA contributions annually ($7,000 per year, 2024), contribute to RRSP for the tax refund and invest the refund, pay down mortgage (particularly early in amortization when interest is highest), invest in low-cost ETFs (XEQT, VEQT), build an emergency fund to avoid high-rate debt, and pursue income growth.