📊 6,100+ benchmarks run this month · Based on Federal Reserve data
📊 Federal Reserve SCF Data · Free · No signup
Am I On Track Financially?
Compare your net worth, savings, debt, and retirement to others your age. See your exact percentile ranking based on Federal Reserve household survey data.
Takes 60 seconds5 metrics benchmarkedPercentile rankingPersonalized action plan
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Net Worth
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Retirement
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Emergency Fund
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Debt
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Savings Rate
Your Financial Snapshot
Enter your best estimates — they don't need to be exact.
Total pre-tax income for your household
All assets (home equity, investments, savings, cars) minus all debts. Can be negative.
401(k) + IRA + Roth + pension value
Cash readily available for emergencies (savings account, money market)
Credit cards + student loans + auto loans + personal loans (exclude mortgage)
Include 401(k) contributions + any other savings/investing
Your Financial Benchmark Results
How the Benchmarking Tool Works — and Why Comparison Is Useful (in the Right Context)
This tool compares your financial metrics against percentile data from the Federal Reserve's Survey of Consumer Finances (SCF), the gold standard for household finance research in the United States. The SCF interviews thousands of families every three years and captures detailed data on income, net worth, savings, debt, retirement accounts, and more. We break the data into age cohorts so you're compared to households at a similar life stage.
The value of benchmarking isn't about keeping up with the Joneses — it's about calibration. Without context, you might think saving $500 per month is excellent (it might be) or that $50,000 in retirement savings at 35 is behind (it's actually close to the median). The data gives you a reality check: where do you actually stand, and which areas deserve more of your attention? Someone who ranks in the 80th percentile for net worth but the 20th for retirement savings has a clear priority to address.
That said, these numbers are averages across an enormously diverse population. Your cost of living, career trajectory, family circumstances, and personal goals matter far more than where you rank on a percentile chart. Use this tool as a compass, not a scorecard. For a more holistic view of your financial health, try our Financial Health Score tool, which evaluates eight dimensions of financial wellness.
Pair with: After seeing where you stand, use the Tax Strategy Optimizer to find money to redirect toward your weakest areas, and the Savings Rate Tracker to monitor progress month by month.
⚠️ Important Disclosure
This tool provides educational comparisons only and does not constitute financial advice. Benchmark data is based on Federal Reserve Survey of Consumer Finances data with inflation adjustments. Individual financial situations vary widely based on location, career stage, family obligations, and personal goals. Always consult a qualified financial advisor for personalized guidance.
The percentile data is based on the Federal Reserve's Survey of Consumer Finances (SCF), the most comprehensive dataset on American household finances. We use the most recent survey data, adjusted for inflation.
What does my percentile ranking mean?
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If your net worth is in the 65th percentile for your age group, that means you have a higher net worth than 65% of households in your age bracket. The 50th percentile is the median — right in the middle.
Should I be concerned if I'm below the 50th percentile?
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Not necessarily. These benchmarks are starting points, not judgments. Many factors affect where you stand — student loans, career stage, geographic cost of living, family obligations. The important thing is your trajectory: are you making progress toward your goals?
Does this tool store my financial data?
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No. Everything runs entirely in your browser. No data is sent to any server, no account is needed, and nothing is stored.
How often should I benchmark my finances?
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Once or twice a year is ideal — enough to track progress without obsessing over short-term fluctuations. Many people benchmark at the start of each year alongside their annual financial review.
📋 Data Sources
Federal Reserve Board — Survey of Consumer Finances (SCF), 2022 (latest available)
Bureau of Labor Statistics — Consumer Expenditure Survey
Data adjusted for inflation to 2026 dollars using CPI-U
Derek reviews all content on DigitalWealthSource. Background in business marketing with hands-on experience in debt payoff, homebuying, tax strategy, and long-term investing. Our methodology →