Benchmarks
Net worth percentile
Pick an age and a net worth. Arc interpolates between SCF percentile points for that age band. The result is an estimate of rank, not a credit score and not a verdict.
Arc · Published September 18, 2026 · Updated September 18, 2026
Assumptions
- Federal Reserve SCF 2022, inflated to July 2026 dollars with CPI-U.
- Household net worth, reference-person age.
- Log-linear interpolation between published percentile points.
Estimated percentile
78th
U.S. households age 35–39
Median in this band
$160,719
50th percentile. This extract has no mean.
75th percentile
$435,365
90th percentile
$993,351
| Age | 25th | Median | 75th | 90th |
|---|---|---|---|---|
| 18–34 | $4,450 | $44,544 | $174,031 | $424,605 |
| 35–39 | $19,389 | $160,719 | $435,365 | $993,351 |
| 40–44 | $26,752 | $153,603 | $497,521 | $1,356,399 |
| 45–54 | $58,530 | $281,365 | $912,796 | $2,248,076 |
| 55–64 | $93,299 | $415,624 | $1,280,404 | $3,378,373 |
| 65–74 | $99,267 | $467,808 | $1,341,627 | $3,419,908 |
| 75+ | $106,684 | $380,230 | $1,112,451 | $3,072,480 |
Interpolation is log-linear between the stored percentile points, the same method the in-app peer view uses. Ranks above the 99th point are capped. Ranks below the 25th point are approximate.
Sources
- Board of Governors of the Federal Reserve System. Survey of Consumer Finances, 2022. Dollars adjusted with BLS CPI-U. Federal Reserve SCF 2022 (inflated to July 2026$ via CPI-U)
Keep going
Related reading
What is net worth?
Net worth is what you own minus what you owe. Salary is not on the statement.
Related reading
How much should I have saved by age?
Age targets are multiples of income or survey medians. They are context, not a grade.
Tools
Net worth percentile calculator
See where a household net worth sits in the SCF age band, in July 2026 dollars.
Tools
Retirement calculator
Project a nest egg from savings, contributions, and a real return, then compare it with spending.
Playbooks
Raise your savings rate
A general way to lift the share of income you keep, without a personality transplant.
Benchmarks
Net worth by age
SCF 2022 household net worth percentiles by age, in July 2026 dollars.
Educational estimate only. Not tax, legal, or investment advice, and not a prediction of what your accounts will do. Methodology