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Net Worth by Age — Cohort Percentile — Free Online Tool

Are you ahead or behind your age cohort?

Net worth percentile by age cohort using Federal Reserve SCF 2022 data. Median by bracket: <35: $39K, 35-44: $135K, 45-54: $250K, 55-64: $380K.

Assets

Debts (NOT including mortgage if subtracted from home equity)

Cohort context

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Learn more

Net Worth by Age — Cohort Percentile

Compare your net worth to age cohort. Based on Federal Reserve SCF 2022 (US) + Bundesbank PHF (DE) + ONS Wealth & Assets (UK). Authoritative source data.

How to use this tool

  1. 1

    Sum your assets

    Cash + investments + retirement + home equity + other.

  2. 2

    Subtract debts

    Mortgage + student loans + credit + other.

  3. 3

    See cohort percentile

    vs your age bracket.

Frequently Asked Questions

How accurate is this?
Uses US Federal Reserve SCF (Survey of Consumer Finances) 2022 — most authoritative US wealth data. Updated triennially. DE/UK estimates use central bank household wealth surveys (Bundesbank PHF, ONS Wealth & Assets). Cohort percentiles ±5% accurate.
Includes home equity?
Yes. Net worth = ALL assets minus ALL debts. Home equity = house value − mortgage owed. Some financial planners separate "investable net worth" (excludes home) from total. We compare TOTAL because that matches official surveys.
Why median is so much lower than average?
Wealth distribution is extremely skewed. US 2022: median household $192K, MEAN $1.06M (5.5× higher). The mean is dragged up by ultra-wealthy. Median is the "typical" household. We use median + percentiles, not means.

Key Takeaways

  • Net Worth by Age — Cohort Percentile is a free, browser-based finance tool — are you ahead or behind your age cohort?.
  • No signup, no downloads, no file uploads — your data stays on your device.
  • Works on desktop, tablet, and mobile. Install as a PWA for offline access.

How to Use Net Worth by Age — Cohort Percentile

  1. Open the tool: Launch Net Worth by Age — Cohort Percentile on Toololis — no account or download needed.
  2. Enter your data: Paste text, enter values, or select a file directly in your browser.
  3. Get instant results: Everything is processed locally — results appear immediately.
  4. Copy or download: Save your output or share it. Bookmark for quick access next time.

Net Worth by Age — Cohort Percentile — Quick Facts

Price
Free — no limits, no watermarks, no paywalls
Privacy
100% browser-based — no data is sent to any server
Platform
Any modern browser on desktop, tablet, or mobile
Category
Finance Tools on Toololis
Offline
Works offline after first visit (Progressive Web App)
FeatureDetails
ToolNet Worth by Age — Cohort Percentile
CategoryFinance
Signup RequiredNo
File UploadNone — processed in browser
Mobile SupportFully responsive
CostFree forever

Why Use Net Worth by Age — Cohort Percentile?

You should try Net Worth by Age — Cohort Percentile for a quick, private way to are you ahead or behind your age cohort?. All processing happens in your browser. Your files and data never leave your device. According to web.dev, client-side processing is the gold standard for privacy.

On the other hand, dedicated APIs or desktop tools suit batch processing better. They also handle server-side automation. For everyday tasks, browser tools offer the best speed, privacy, and convenience.

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100% Privacy. This tool runs entirely in your browser. Your data is never uploaded to any server.