Where do I rank?

Your age. The older person in the household.

Household income before tax, a year. All income: pay, business, pensions, Social Security, rent.

Cash and bank accounts. Checking, savings, money market, certificates of deposit.

Retirement accounts. 401(k), 403(b), IRA and similar accounts.

Other investments. Stocks, funds and bonds held outside retirement accounts.

What your home would sell for today. Zero if you rent. Before subtracting your mortgage.

What you still owe on the mortgage. Zero if none. Include any home equity loan.

Other things you own that you could sell. Cars, rental property, a business. Zero if none.

Other debts. Credit cards, car loans, student loans.

Where you rank. Net worth is everything a household owns, including cars and a business, minus what it owes. Retirement accounts and home equity are zero for many households, so a rank on those two lines is 0% when you have none: the last column shows how many households are at zero or less. The survey leaves out the very richest 400 families, and households at the top are sampled less often, so ranks above the 95th point are rough.

Your income level. A level is the household income at the 80th, 90th, 95th and 99th points of all US households (Federal Reserve survey 2022, in 2026 dollars). Your income is at or above 72% of all US households.

Higher than this share of households your age and income. Higher than 70% means 70 out of 100 households in the group have less than you. The strong bar is your net worth.

What it would take. The typical household is the middle one: half have more and half have less. Dollars are 2026 dollars, the 2022 survey times 1.13. Your group is your age and income range.