What is your net worth percentile for your age?

[nnls]

Converting my AUD to USA I got the 91.33% which is pretty cool.  Though thats including home equity. If I don't include that I drop out of the 90s and to 89.66% (I still voted 90 though)

[WYOGO]

Extremely high here, especially if the calculator was meant for total household. Lotta very well off here as to be expected...

[clarkfan1979]

I got 86.41%. I should be able to hit 90% before I hit my next birthday.

[nath]

Interesting that anything over 5.8million puts you at 100percentile.

Good target to strive for :)

[TheAnonOne]

Being at 475k when newly 27 and the 90th range being around 160k I am easily into the 90th bracket, I am nearly in the 90th bracket for 50 year olds! (and with 23 years left, I think I can make it there too!)

[Eludia]

90.19% for a 41 year old. 

[BTDretire]

93%, at 62 yrs old.
  I find this calculation pretty meaningful with regard to the MMM followers.
Almost 90% of the respondents are at 80% or above for their age. That's
very respectable as group.
 Good job everybody!

(may be a self selecting high number) :-(

[SwordGuy]

Whether I put in my liquid NW or NW including home equity, I get 99.75%.

This was interesting to me as it shows just how non-linear the correlation gets toward the upper end.  I have a significant portion of my NW in equity:

30 years old
net worth including equity: $200 k - 92nd percentile
net worth excluding equity: $75 k - 78th percentile

I am surprised that such a high swing ($125 k) only accounts for a 14% difference.

A net worth of $10,000 at age 30 will put you at 40%.   

[sufjork]

70.3% for me and my fiancé, a good chunk of that is his money though - on my own would be around 40%. No debt! But no real estate either. :p

[tjrssibelle]

91.33% here at age 29 with no house

Sent from my SM-N920V using Tapatalk

[jordanp123]

28 Years old and ~$271,000, that puts me in the 99.38% Percentile.

[concealed stache]

This is awkward... 99.high % and yet haven't been able to buy a replacement car for the last 3 months because I can't bring myself to pay a few hundred dollars more than the market is aksing right now. Probably time to relax and be a  bit less neurotic about the tiny details.

[4n6]

44 and I got 79.73%. I have some work to do.

[sparkytheop]

I'd love to see one of these for single people (rather than household, and not part of a couple).  Considering I got pregnant in high school and am still over 90% on this one, I know I'm doing pretty well, but am still curious about comparing to others in a more similar situation.  I know a household is a household, and I run mine, but there is no other person to put $18k away into a tax beneficial retirement fund, no splitting a mortgage between two adults, no second person income, etc.  All could help NW grow so much faster.  Or tank it, with the wrong partner.

[Freedomsaver]

89.66% I need another 53K to hit 90%

[ObsessedFIer]

100%, pretty cool tool. Can't believe the average numbers for my age....

Strange that it's showing 100% though.

[Rowellen]

I'm shocked. I always feel like we have practically nothing but apparently we're in the 90th.

[happy]

Also shocked.
I'm >90% in spite of being single, raising two kids, and starting MMM at a later age (early 50s).

[Moonwaves]

So different than most of the responses here (although haven't managed to read page 2 yet). I'm also not based in the US so it's not quite applicable but all things considered, I feel like my 40th percentile isn't too shabby. Makes me feel like things aren't entirely hopeless.

[webguy]

100%! I'm not sure that can be correct but I'm not arguing! Age 31 with a net worth of $1.7M.

[TheAnonOne]

Being at 475k when newly 27 and the 90th range being around 160k I am easily into the 90th bracket, I am nearly in the 90th bracket for 50 year olds! (and with 23 years left, I think I can make it there too!)

I didn't see that it gave you a specific NW

for 27 to 30 year olds, I am 98.14

[Jim Fiction]

Myself - age 33 - 27.52%

Including my wife - age 29 (through 33) - 64.28%

Better than expected on both counts.

[Debts_of_Despair]

I'm shocked. I always feel like we have practically nothing but apparently we're in the 90th.

My thoughts exactly.  I'm coming up on a half mil and feel like I'm still living like a college student.

[Tyson]

I'd love to see one of these for single people (rather than household, and not part of a couple).  Considering I got pregnant in high school and am still over 90% on this one, I know I'm doing pretty well, but am still curious about comparing to others in a more similar situation.  I know a household is a household, and I run mine, but there is no other person to put $18k away into a tax beneficial retirement fund, no splitting a mortgage between two adults, no second person income, etc.  All could help NW grow so much faster. Or tank it, with the wrong partner.

Aye, there's the rub.

[sparkytheop]

I'd love to see one of these for single people (rather than household, and not part of a couple).  Considering I got pregnant in high school and am still over 90% on this one, I know I'm doing pretty well, but am still curious about comparing to others in a more similar situation.  I know a household is a household, and I run mine, but there is no other person to put $18k away into a tax beneficial retirement fund, no splitting a mortgage between two adults, no second person income, etc.  All could help NW grow so much faster. Or tank it, with the wrong partner.

Aye, there's the rub.

It's amazing how much money I had once the ex left, even though I was still "poor"!  No more hundreds of dollars a month being shelled out for alcohol and cigarettes.  No more "the cc bill should be $200 this month" then scrambling to gather cash because somehow the bill was really $900 (and even then, I paid off in full each month).  I've been a saver since I was a kid with a paper route, and I was watching all the money I had saved go down the drain, while he was unemployed.

I know much better now, in case there is ever a "next time".

[solon]

Although the actual amount is pretty low, I was surprised to see a score of 68%.

I guess this means most people really suck at networth. And I suck just a little bit less.

[Threshkin]

95.05% Here.  No complaints.

[Travis]

Age 37. Married with one child. 93%. I'm slacking!

[JayhawkRacer]

This is odd. If I save nothing for the next 4 years, my percentile will go up.

Real Age
26 to 26 :: Net worth $116k :: 82.8 percentile

Future checking
30 to 30 :: Net worth $116k :: 85.4 percentile

Apparently I'm in a special age group of savers.

[Travis]

This is odd. If I save nothing for the next 4 years, my percentile will go up.

Real Age
26 to 26 :: Net worth $116k :: 82.8 percentile

Future checking
30 to 30 :: Net worth $116k :: 85.4 percentile

Apparently I'm in a special age group of savers.

I imagine home ownership skews these age brackets a bit. You might also be in the "finally settling down" age range where net worth takes a mortgage-shaped hit.

[JayhawkRacer]

This is odd. If I save nothing for the next 4 years, my percentile will go up.

Real Age
26 to 26 :: Net worth $116k :: 82.8 percentile

Future checking
30 to 30 :: Net worth $116k :: 85.4 percentile

Apparently I'm in a special age group of savers.

I imagine home ownership skews these age brackets a bit. You might also be in the "finally settling down" age range where net worth takes a mortgage-shaped hit.

I was wondering about that. I'm not exactly sure if the data includes home equity or not. It just seems odd that in a 4 year age span the median net worth only changed by $4,650.

26: $15,300
30: $19,950

To add to the weirdness, from 62 to 65 is huge jumps and dips in median net worth, which might suggest this data isn't meant to support the tiny range (one age exactly) that we are trying to use it for in this thread. I think most of these that I've seen before run off of age ranges like 25-29 and so on.

62: $179,000
63: $300,000
64: $158,800
65: $309,510

[sparkytheop]

This is odd. If I save nothing for the next 4 years, my percentile will go up.

Real Age
26 to 26 :: Net worth $116k :: 82.8 percentile

Future checking
30 to 30 :: Net worth $116k :: 85.4 percentile

Apparently I'm in a special age group of savers.

I imagine home ownership skews these age brackets a bit. You might also be in the "finally settling down" age range where net worth takes a mortgage-shaped hit.

I was wondering about that. I'm not exactly sure if the data includes home equity or not. It just seems odd that in a 4 year age span the median net worth only changed by $4,650.

26: $15,300
30: $19,950

To add to the weirdness, from 62 to 65 is huge jumps and dips in median net worth, which might suggest this data isn't meant to support the tiny range (one age exactly) that we are trying to use it for in this thread. I think most of these that I've seen before run off of age ranges like 25-29 and so on.

62: $179,000
63: $300,000
64: $158,800
65: $309,510

For the 26 vs 30, with data from 2013, the housing bubble and subsequent burst may play in there quite a bit as well.  I would imagine fewer 26-year-olds (2013 age) were buying houses five years earlier than the 30-year-olds.  So, a lot of those in their 30s may have been underwater, while those in their 20s were able to take advantage of the falling house market.

[kaypinkHH]

29 and 91.38%, without counting our house..which as done well for us. WTF. (100% counting the house).

Guess it is time to plan that trip to Wegas and buy a lambo!!!

[caffeine]

It's been 1 year since I began my 'stache. Last year, I was at 56th percentile. I'm now in the 75th percentile for my age.

It is surprising how fast you can turn it around if you adjust.

[BTDretire]

I wouldn't worry about it because the number of people with $1m in assets that make 35k per year is somewhere between zero and none.

$1m x Market CAGR (10%) = $100,000 of income per year+ earned income of $35,000 = Total income of $135,000. Someone making $135,000 will play plenty of taxes.

I may not fully understand you "$1m x Market CAGR (10%) = $100,000 of income per year" because most people don't sell to realize those gains, but  I may be in that "between zero and none" with a caveat, I'll be collecting SS (~$20k) and generating an income of about $35k.
At least until I get hit with RMD's.
 It seems you may try to minimize current income on a $1M NW and try for growth if your income is $100,000.
You don't the income will have to pay taxes on the passive income.

[GrumpyPenguin]

I averaged our ages since we're 11 years apart, but OMG it is 93.88% if I include our home equity. If I look at just liquid NW it is still 85.62%. That makes me weep for the rest of our society.

Also makes me worry that tax law will change at some point to take more accumulated wealth.  As pointed out on other streams, Obamacare subsidies, assuming system isn't completely overhauled, will def be based on assets as well as income at some point.  i.e. someone will realize that a family with 1M in assets but 35k in income doesn't need subsidizing.

I wouldn't worry about it because the number of people with $1m in assets that make 35k per year is somewhere between zero and none.

$1m x Market CAGR (10%) = $100,000 of income per year+ earned income of $35,000 = Total income of $135,000. Someone making $135,000 will play plenty of taxes.

Isn't a family with around 1M in assets and reporting about $35k/year in taxable income how we view the typical successful MMM follower at FIRE? While not many, I don't think the number is between zero and none.

[REfinAnon]

I got 99.4% using a Household Net Worth of $550,000 and an age of 30. I guess I cheated a bit because I'm still a few months out from getting married. What constitutes a "household" anyway.

In either case thanks for sharing - I always thought it was weird that this data wasn't more widely available considering that age is probably the biggest net worth variable. I'm not sure how reliable this information is but it's interesting none the less.

[HPstache]

94% using our family net worth and the older of our two ages (32).  Too difficult to separate mentally what is "mine" and what is "hers"...

[Slow&Steady]

I am usually pretty low on these type of polls when compared to other MMM forum users but surprisingly I find myself in the 75-80% which seems to be on par with most MMM responding.

[SwordGuy]

I found this fun little tool, which gives you the percentile of your net worth for your age. I'm guessing it's made an appearance here in the past, but it's new to me so let's play!

I missed it at first, but there are several other calculators at the same website that draw from the same data.   Some of you might enjoy checking them out, too.

[Jtrey17]

81% for this single mom of 4 - I am pretty proud of that!

[mohawkbrah]

88.9% for 21 year olds :D

[2Birds1Stone]

95th percentile

Using household net worth ($384k), and my age (30), ignoring SO's age (26), we are at 97.96th percentile. Almost 2%ers ;)

[talltexan]

True Mustachians would have the percentile of net worth EXCEED the percentile of labor market income, amiright?

[GrumpyPenguin]

True Mustachians would have the percentile of net worth EXCEED the percentile of labor market income, amiright?

Youareright!

[Tyson]

True Mustachians would have the percentile of net worth EXCEED the percentile of labor market income, amiright?

Youareright!

I'm at 86% wealth and 82% income.  I'm a true Mustascian!

[Herbert Derp]

I'm at the 99.6th percentile for net worth, 99.09th percentile for income, and 0.34th percentile for monthly spending. Gave it a spread of my age to three years older than me. For spending, I gave it the same three year spread, plus family size of one and income of $1 to $1MM.

I think these numbers must be pretty off, given that the data is four years old. 2017 dollars are worth significantly less than 2013 dollars. On the other hand, these statistics are for households--but I'm just one person so that makes me feel better.

We should add poll options for the 95th and 99th percentiles. I think just ending at the 90th is kind of vague.

[Re3iRtH]

96.28%.

I don't care much about NW. Its your income (passive and active) that pays the bills.

Is a net worth of X "higher/more impressive" for individual or household?

[Herbert Derp]

Presumably it would be more impressive for individuals, because households have multiple people contributing to income and net worth.

[Roots&Wings]

Wow, very impressive all around Herbert Derp! Thanks for pointing out the additional categories too.

97% for NW, 69% for income, and 5% for spending (individual).