What is your net worth percentile for your age?

[Optimiser]

I've been using this site for a few years. I update mine every month and put it at the bottom of my monthly balance sheet. It looks like it mine will start to climb pretty quickly once I hit positive net worth, but for now I'm at 6.41% up from 3.81% when I started tracking it in 2015.

[SwordGuy]

I've been using this site for a few years. I update mine every month and put it at the bottom of my monthly balance sheet. It looks like it mine will start to climb pretty quickly once I hit positive net worth, but for now I'm at 6.41% up from 3.81% when I started tracking it in 2015.

Absolutely!  Right now you're fighting a head wind of compound growth on your debt. 

Once you get above zero net worth that compound growth turns into a tail wind!

[Road2Freedom]

Says we're 85.53%.  Used my age (42) and wife's (45).

[SwordGuy]

We're at 94%.   If I had not inherited my mom's estate 2 years ago, we would have been about 89%.

[MonkeyJenga]

What's crazy is there is an actual negative percentile for my age of 48. It says 10% at my age are in the negative !!! Yikes !!

I accidentally put in $0 and it told me, at age 35, that I was in the 11%.

I accidentally put in $0 and it told me that I was in the 22%. 29 to 33.

Then I put in my actual net worth and got 96%.

(Single lady over here, WHO WANTS TO PUT A RING ON THIS?)

Good going, MJ!!!!

Thanks pachnik!

[Bateaux]

96.34%

Used NW for wife and I combined, 49 to 50 year range.


92.22% for wife or I alone, divided our NW by 2.

[lexde]

11% - although I find this a little hard to believe with student loans, car kind, etc.! Oh well, with a 60% debt payoff rate I'll be ahead soon.


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[Valhalla]

11% - although I find this a little hard to believe with student loans, car kind, etc.! Oh well, with a 60% debt payoff rate I'll be ahead soon.


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We all have to start our journey somewhere!  Around my early - mid 20's I had close to zero or negative net worth due to student loans.  Now I'm in the 90% - 95% group.  Enjoy the journey!

[Valhalla]

What's crazy is there is an actual negative percentile for my age of 48. It says 10% at my age are in the negative !!! Yikes !!

I accidentally put in $0 and it told me, at age 35, that I was in the 11%.

I accidentally put in $0 and it told me that I was in the 22%. 29 to 33.

Then I put in my actual net worth and got 96%.

(Single lady over here, WHO WANTS TO PUT A RING ON THIS?)

haha keep on rocking the free world!!

[smallstache]

I typed the commas to separate the thousands, and the website interpreted our NW as $0, which put me all the way in the 19th percentile.

I took out the commas and our NW is in he 99th percentile.

[aceyou]

96

[the_fixer]

If I use just my age 90.78%
If I average our ages 98.18%
If I use just my wife's age 99.16%

[Al1961]

95 per-center here. Household assets and my age used. Dividing by 1.25 to convert from CAD to USD hurts a bit. Oh well, the Loonie is still up almost 8% this year.

Al

[Tyson]

87th, if I include my home.

[sparkytheop]

I'm single, didn't use pension (not sure what that would be for NW anyway).  I came out at 95.52%.  If I pretend I'm part of a couple, and leave everything (but retirement) the same, add that this imaginary person has the same retirement savings I do, it only goes up to 97.86%.  If I double my NW (not sure that would be correct, because same house, but whatever, it's over 7 figures), it stays at 97.86%(?!)

Apparently there is some rich-as-hell 38-year-old mofo out there.

[VoteCthulu]

What's crazy is there is an actual negative percentile for my age of 48. It says 10% at my age are in the negative !!! Yikes !!

I accidentally put in $0 and it told me, at age 35, that I was in the 11%.

I accidentally put in $0 and it told me that I was in the 22%. 29 to 33.

Then I put in my actual net worth and got 96%.

(Single lady over here, WHO WANTS TO PUT A RING ON THIS?)

I'm only at 93% and need a sugar mama, do you prefer a popsicle ring or one that comes in a plastic egg?

[10dollarsatatime]

83%

I'm quite pleased with myself.  Single lady not making a boatload in a MCOL area, and I've only been trying for 4 years.

[Louis XIV]

95.82%. Not sure its that accurate though, because when I add my partner's net worth (which is a six figure jump), the result I still get is 95.82%

EDIT: Full disclosure, I'm  Australian, so I'm converting my AUD net worth to USD... being 95.82% on a US dataset (which i presume this is), is not as good as being 95.82% here I'd guess, as its a super expensive country to live in.

[itchyfeet]

Out of curiosity I wanted to see what the top 1%ers have in my age band.

More than $6million!!!

Tripple what it takes to be in the top 4%.

I consider myself to be well off, and indeed I am better off than 24/25 people. But the 1 in 25 that is better off than me is way, way better off. There are a lot of very rich peeps out there!

(And even more poor people too, of course).

[former player]

93.79% plus whatever conversion factor to dollars.  It was entirely stealth wealth until I bought my late neighbour's house to prevent overdevelopment, which has somewhat blown my cover.

[golden1]

About 87%.  Not terrible, not great. 

[Imma]

93.79% plus whatever conversion factor to dollars.  It was entirely stealth wealth until I bought my late neighbour's house to prevent overdevelopment, which has somewhat blown my cover.

I like that expression, stealth wealth. We are not as wealthy as most people in this thread (68% at age 27) but we're doing pretty well. We are a good example of stealth wealth too. Most people actually think we're dirt poor because I work parttime, my s/o is a musician and we live in a small house. Looking at our home and lifestyle, no one would believe our wealth is quite a bit above average for our age.

[gmdv]

86% for me, myself and I. Good enough.

[dude]

What's crazy is there is an actual negative percentile for my age of 48. It says 10% at my age are in the negative !!! Yikes !!

I accidentally put in $0 and it told me, at age 35, that I was in the 11%.

I accidentally put in $0 and it told me that I was in the 22%. 29 to 33.

Then I put in my actual net worth and got 96%.

(Single lady over here, WHO WANTS TO PUT A RING ON THIS?)

Better question -- why hasn't someone done it already?!

[MrMoogle]

What's crazy is there is an actual negative percentile for my age of 48. It says 10% at my age are in the negative !!! Yikes !!

I accidentally put in $0 and it told me, at age 35, that I was in the 11%.

I accidentally put in $0 and it told me that I was in the 22%. 29 to 33.

Then I put in my actual net worth and got 96%.

(Single lady over here, WHO WANTS TO PUT A RING ON THIS?)

In my best Joey Tribbiani impersonation, "How you doin?"

[RWD]

[redacted] here, household net worth. Weirdly I'm at a higher percentage for age 33 people than age 32...

[SwordGuy]

I did a little test.

20 year old with $1000 saved up.
25 year old with $5000 saved up.
30 year old with $10000 saved up.
35 year old with $15000 saved up.
40 year old with $20000 saved up.

Yep, just staying out of credit card debt, not being upside down on a car loan, and saving $1000 a year.

That's a really, really low bar.

Run the test for yourselves.

And let the mods know if you think, like I do, that this belongs in the Anti-Mustachean Wall of Shame and Comedy folder...

[Imma]

Another 95% here, household net worth. Weirdly I'm at a higher percentage for age 33 people than age 32...

I see a lot of friends being worse off financially in their early/mid 30's than they were aged 30 or even 26.

At a certain age, a lot of people start to feel like they're now grownups and deserve a big house and two big cars and the kids they have by then deserve to have several rooms filled with brand new expensive 'educational' toys. I know plenty of people getting cash from their retired parents (as a form of estate planning) and instead of paying off debts or investing, they spend that extra money on living the high life.

[begood]

96% at age 53 for the family. We don't own a house but will have to rent or buy eventually (living in provided housing currently). And we still have college to pay for.... It will be interesting to see if that percentage goes up or down in the next 5-10 years, as our circumstances change.

[wenchsenior]

Inputting DH age (older) we just crossed into the 80% category.  Damn our late start!  Inputting my age, we are at 88%.

[Bracken_Joy]

11% - although I find this a little hard to believe with student loans, car kind, etc.! Oh well, with a 60% debt payoff rate I'll be ahead soon.


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I checked the numbers for when I found MMM- 12.6%. And now four years later I'm above 90%! You'll get there. Keep at it!

[SecretSquirrel]

(Single lady over here, WHO WANTS TO PUT A RING ON THIS?)

A ring!? That's money that could be invested to increase that net worth percentile ranking! :-)

[moof]

91.86% at 40

Depressing to see the median at 40 is only $38.5k.  I guess most of the Escalades and McMansions I see are not paid off.. <sarcasm>

[lexde]

11% - although I find this a little hard to believe with student loans, car kind, etc.! Oh well, with a 60% debt payoff rate I'll be ahead soon.


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I checked the numbers for when I found MMM- 12.6%. And now four years later I'm above 90%! You'll get there. Keep at it!

Yeah! I've always been frugal but was in school accruing additional debt until I was 25 -- yikes! I have increased my net worth by 80% in the last 12 months, though (-32k to -6k) and am full steam ahead to hit 0NW by 12/31/17. Onward and upward!

That's awesome that your NW has increased so exponentially! It gives me hope. :-)

[Bracken_Joy]

11% - although I find this a little hard to believe with student loans, car kind, etc.! Oh well, with a 60% debt payoff rate I'll be ahead soon.


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I checked the numbers for when I found MMM- 12.6%. And now four years later I'm above 90%! You'll get there. Keep at it!

Yeah! I've always been frugal but was in school accruing additional debt until I was 25 -- yikes! I have increased my net worth by 80% in the last 12 months, though (-32k to -6k) and am full steam ahead to hit 0NW by 12/31/17. Onward and upward!

That's awesome that your NW has increased so exponentially! It gives me hope. :-)

Sounds like we were in the same boat! I went *back* to school at... 24 I think? Graduated 26... yeah pretty sure that's right. Anyway, by the time it was said and done I had a good $55k ish in student loan debt, for a net worth of about $-25k. It gets fuzzy around when husband and I got married because we combined finances, but we were pretty much net $0 NW when we got married, and we've been headed up ever since!

It's insane how crossing the $0 threshold makes the tides change. Leading up to $0, you grind and cut and watch every damn detail and it feels like you're sprinting just to stay in one place. But then, things start tipping... and accelerating... honestly, I've been amazed how quickly the changes have happened, when day to day it felt like such a struggle for so long.

AKA, you're in the toughest part now, but also the part with the clearest goal and the most will power. You've got this!

[little_brown_dog]

Just shy of the 98th for our household at age 30. I agree the stats are a bit depressing and worrying from a societal perspective. Made me feel really grateful for a lot of things – our educations, income, saving habits, the fact that we just bit the bullet and eliminated those student loans rather than letting them ride, etc.

[SEAK]

94% age, 43 including household equity.

[skeeder]

71% not as bad as I thought.

[YogiKitti]

95%!!

[obstinate]

99.8! Truly we are blessed.

[One Noisy Cat]

80.0%. I was a little disappointed at first as I wanted 90%. But then I got to thinking that I am retired for 35 months as of today, I have good health, between pensions and social security I have money left over ($58.41 this month, I am debt free and I can afford just about anything I want or need. Life is good!

[Lanthiriel]

I didn't quite understand the range at first, so I got 53% and was sad. Then I realized what was going on and entered the age spread between me and my husband using our joint net worth and came up with ~85%. Husband has only had a "career" job since he was 31, so I feel pretty good about this.

[SwordGuy]

Here are some sample numbers from the tool, showing age, savings amount, and percentile ranking:

20 $ 1000  35.23%
25 $ 5000  45.89%
30 $10000  39.68%
35 $15000  28.64%
40 $20000  38.95%

Someone who didn't go to college or paid their way thru, didn't get credit card debt, isn't upside down on their car or house loans, and just stuffed $1000 into the mattress each year would get these results.

When I said earlier that it's a really low bar, I meant it.

[Kenbo]

Being early in the journey can be a little frustrating at times.  This is a good reminder to keep on keeping on though.  85th percentile at 28. 

[YogiKitti]

Here are some sample numbers from the tool, showing age, savings amount, and percentile ranking:

20 $ 1000  35.23%
25 $ 5000  45.89%
30 $10000  39.68%
35 $15000  28.64%
40 $20000  38.95%

Someone who didn't go to college or paid their way thru, didn't get credit card debt, isn't upside down on their car or house loans, and just stuffed $1000 into the mattress each year would get these results.

When I said earlier that it's a really low bar, I meant it.

I think this shows how important being in the forums is for many of us. If I compared myself to my average peer, I would be tempted to save less money. But, by being encouraged by the frugal mustachians on the forum, I'm always looking for ways to do better and learn more.

[MonkeyJenga]

What's crazy is there is an actual negative percentile for my age of 48. It says 10% at my age are in the negative !!! Yikes !!

I accidentally put in $0 and it told me, at age 35, that I was in the 11%.

I accidentally put in $0 and it told me that I was in the 22%. 29 to 33.

Then I put in my actual net worth and got 96%.

(Single lady over here, WHO WANTS TO PUT A RING ON THIS?)

I'm only at 93% and need a sugar mama, do you prefer a popsicle ring or one that comes in a plastic egg?

Honestly, I prefer my rings edible. Get me some onion rings. Ohhh or a donut. I like donuts.

I put the sugar in sugar mama.

haha keep on rocking the free world!!

Better question -- why hasn't someone done it already?!

Beats me, dude.

In my best Joey Tribbiani impersonation, "How you doin?"

[Davids]

Using my age (35) and my wife's age (37) as the age range comparison we are at 97.13% when including the equity in our home. Without including the equity in our home we are at 96.2%.

So happy to see in this poll over 60% of us are above the 90th percentile.

[EmFrugal]

94th for age 35.

We live in a super HCOL area and are kinda toward the bottom of the totem pole in terms of how fancy the cars and houses are around us, so I thought we weren't doing so hot. We live in a townhome and drive an older non-luxury vehicle for reference. This puts things in serious perspective and tells me to just "keep on keepin' on" saving every little bit we can!

[johndoe]

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.

[Erica]

Being a low-income guy, I was surprised to see myself in the 72nd percentile. The medians are depressing.

My sentiments exactly
I am in the 67th percentile but live in a high COLA area so we are far from average here.