How rich are you,
actually?
Net worth percentile by age and country. Free. Brutal. Built on Federal Reserve, OECD, and Credit Suisse data. Enter your numbers — find out whether you're actually winning, or just on Twitter a lot.
Net worth ledger
Three inputs. One reckoning.
Benchmark · United States
Net worth thresholds in USD by age band.
| Age | P50 | P75 | P90 | P95 | P99 |
|---|---|---|---|---|---|
| 18-24 | $8,000 | $30,000 | $80,000 | $160,000 | $500,000 |
| 25-29 | $18,000 | $70,000 | $200,000 | $400,000 | $1,200,000 |
| 30-34 | $35,000 | $150,000 | $400,000 | $750,000 | $2,500,000 |
| 35-44 | $90,000 | $350,000 | $900,000 | $1,700,000 | $5,000,000 |
| 45-54 | $170,000 | $600,000 | $1,500,000 | $3,000,000 | $8,000,000 |
| 55+ | $220,000 | $800,000 | $2,200,000 | $4,500,000 | $12,000,000 |
Moneymaxxing 101
The basics, decoded.
What moneymaxxing actually means
Moneymaxxing is the deliberate, multi-decade optimization of net worth and capital efficiency: increasing income, controlling expenses, investing the gap, structuring assets tax-efficiently, and tracking the result. The serious version is just personal finance done with intent. The meme version is the FIRE community, finance Twitter, and the r/wallstreetbets internet pretending one of the above doesn't apply to them.
Income beats frugality, mostly
Frugality has a hard floor — you can only cut your expenses so low. Income has no ceiling. A 2× career trajectory over a decade dwarfs any plausible savings rate optimization on a flat income. For most people under 40, the highest-leverage financial action is investing in earning power: skill acquisition, network, role-switching, equity-bearing opportunities. For most people over 50, the calculus inverts: compounding, tax structure, and capital preservation matter more than incremental earning.
The compounding math
$10,000 invested at 7% real return (rough S&P 500 historical inflation-adjusted average) becomes ~$76,000 in 30 years without adding a cent. The same amount saved as cash becomes ~$10,000, minus inflation. The single most consequential financial decision is whether you spend the next 30 years invested or in cash. The specific allocation matters far less than this binary.
Tax-advantaged accounts by country
Every developed country offers tax-advantaged retirement and / or investment vehicles. US: 401(k), Roth IRA, HSA. UK: ISA, SIPP. France: PEA, PER, Assurance Vie. Canada: TFSA, RRSP. Germany: Riester, Rürup. The tax savings here are not marginal — they are typically equivalent to an extra 1–3% of annualized return for the lifetime of the account. Most people significantly under-use them.
Why one income stream is fragile
A single income stream — your job — is statistically the riskiest financial structure most adults operate. Layoffs cluster, industries cycle, careers plateau. Optionality comes from a second stream — investment income, consulting, side business, equity in something you own. The threshold doesn't have to be life-changing to matter: a $1k/month side income is a 25% buffer for someone with $4k of monthly expenses. That is the difference between "I have to take this job" and "I can negotiate."
Net worth tracking and the spreadsheet
What gets measured compounds. A simple quarterly net worth update — assets minus liabilities, total in one cell — is the highest-leverage financial habit you can build. It catches lifestyle creep early, makes investment performance visible, and creates the dopamine loop that sustains compounding through dull years. A two-tab Google Sheet beats every paid personal finance app, because the barrier to look at it is lower.
What does NOT work
Day-trading without an edge (statistical evidence is brutal: most retail day-traders underperform an index fund by 5–10% annualized). Concentrated bets on individual stocks as a primary strategy. Crypto as more than a single-digit percentage of net worth. Lifestyle inflation that scales 1:1 with income raises. "Get rich quick" courses sold by people whose actual income comes from selling courses. The pattern: anything promising consistent excess returns with low effort.
How to actually moneymaxx
- 01 Income > frugality.
The fastest path to top quintile is income growth, not expense optimization. Most "saving" advice is rounding error vs. a 2× career trajectory.
- 02 Index funds, automated, monthly.
80% of the moneymaxxing benefit is from doing this for 20 years and not panicking. Sounds boring because it is.
- 03 Read your country's tax code.
Tax-advantaged accounts (401k, ISA, PEA, etc.) are free returns. Most people leave 5-figure annual gains on the table.
- 04 One income stream is fragile.
Even if your job is great, build optionality. Side income, investments, equity.
- 05 Track net worth quarterly.
What gets measured gets compounded. A spreadsheet beats every personal finance app.
FAQ
What is moneymaxxing? +
Moneymaxxing is the deliberate maximization of net worth and capital efficiency. The serious version is just personal finance: earn more, spend less, invest the gap, repeat for two decades. The meme version is what the FIRE / r/wallstreetbets / finance-bro internet has been doing for a decade with extra steps.
Where does the data come from? +
A blend of Federal Reserve Survey of Consumer Finances (US), Credit Suisse Global Wealth Report, OECD wealth distribution data, and reasonable extrapolation between published percentiles. Treat as directional, not a precise instrument.
Why USD only? +
For comparability across countries. Enter your net worth in your local currency and we convert at current FX. The underlying percentile thresholds are stored in USD.
Does this include home equity? +
Yes. Total net worth: financial assets + property + business equity − all debt. If you include only liquid assets, your percentile will be lower.
Is income or net worth the better benchmark? +
Net worth, by a wide margin. Income is a flow, net worth is a stock. Two people earning the same can have a 10× difference in net worth depending on how long they've compounded the gap. The percentile that matters in your forties is your net worth percentile, not your salary.
How much should I save per year? +
A rough heuristic: 20% of gross income invested produces a comfortable retirement at 65; 30%+ enables earlier optionality; 50%+ enables FIRE timelines under 15 years. The exact number depends on country, tax structure, and lifestyle. The first lever is not the rate — it is consistency.
Is this financial advice? +
No. It's a benchmark tool. Talk to a fiduciary if you want actual advice.