净资产百分位计算器

The median U.S. household net worth is approximately $192,700. The average (mean) is much higher at about $1,060,000 because extremely wealthy households pull the average up. Median is a better measure of the 'typical' American's wealth.

A net worth of roughly $13 million or more puts you in the top 1% of U.S. households. The threshold varies by age: for under-35 households it's around $1.5M, while for 55-64 year olds it's around $15M.

A common guideline is to have 1x your annual salary saved by 30, 3x by 40, 6x by 50, 8x by 60, and 10x by 67. However, these are rough targets. The median net worth by age group gives a more realistic picture of where Americans actually stand.

Yes. Net worth equals total assets minus total debts. Assets include home equity, retirement accounts, savings, investments, vehicles, and other property. Debts include mortgages, student loans, auto loans, credit cards, and any other liabilities.

The top 10% of households hold about 70% of all wealth. A few extremely wealthy families (with net worths in the billions) dramatically pull the average upward, making it unrepresentative of typical Americans. The median (50th percentile) is the point where exactly half of households have more and half have less.

Net worth generally increases with age due to accumulated savings, home equity, and investment growth. The median rises from about $39,000 for under-35 to $410,000 for ages 65-74, then declines slightly to $336,000 for 75+ as retirees draw down savings.