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How Rich Am I? Calculator & Wealth Tracker

Compare your income and net worth against regional and global demographics. Find out where you rank on national percentiles (US Census, UK ONS) and see what safe retirement income your wealth can support.

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Income Details

$
Income Period
Income Type

Net Worth Details

$

Include home equity, pensions, cash, and investments, subtracting mortgages or loans.

Age & Household Profile

years old
US Income Rank
Top 47.8%
US Wealth Rank
Top 44.8%
Runway Capacity
4.2 years
Est. Monthly SWR
$833.33

Your Standings Breakdown

Income RankYour household income of $85,000.00 (annual, gross) is in the Top 47.8% in the selected region. This places you in the Middle Income category.
Net Worth RankYour net worth of $250,000.00 ranks in the Top 44.8% in the selected region, classifying you as Middle Class.
Age-Adjusted Rank (35–39 age bracket)Compared specifically to households in the 35–39 age bracket in the selected region, your income ranks in the Bottom 53.5%, and your net worth ranks in the Top 38.0%.
Household Adjusted Global RankGlobally (adjusting for household size of 1), your equivalized income ranks in the Top 1.5% of the world population, and your net worth ranks in the Top 6.4% of global adults.

Financial Independence & SWR

Assuming a standard 4% Safe Withdrawal Rate (SWR), your net worth of $250,000.00 could safely support:

Annual Passive Income$10,000.00
Income Replacement11.8%

At your current income rate, if you ceased working today, your accumulated wealth could sustain your household for approximately 4.2 years (assuming net spending equals 70% of gross income).

Ranks Across All Regions

RegionIncome RankWealth Rank
United States (Household)Top 47.8%Top 44.8%
United Kingdom (Household)Top 26.0%Bottom 58.9%
Global (Per-Capita / Adult)Top 1.5%Top 6.4%
Region RankIncome: Top 47.8% | Wealth: Top 44.8%

Methodology & Data Sources

This calculator uses log-linear statistical interpolation over official and reputable demographic distribution reports:

  • United States: Income distributions are sourced from the US Census Bureau Annual Social and Economic Supplement (ASEC). Net worth percentiles are drawn from the Federal Reserve Board Survey of Consumer Finances (SCF).
  • United Kingdom: Gross income data is derived from the Office for National Statistics (ONS) and HMRC Survey of Personal InSPI. Household net worth is modeled on the ONS Wealth and Assets Survey (WAS).
  • Global rankings: Per-capita net income is calculated on World Bank poverty and distribution database indices. Global adult wealth benchmarks are based on the UBS Global Wealth Database models.

For example, a US household with an annual gross income of $100,000 and a net worth of $500,000 ranks in the Top 42% of income and the Top 32% of net worth.

Frequently asked questions

What is a wealth percentile?

A wealth percentile indicates what percentage of the population you have more net worth than. For example, if you are in the 90th percentile of wealth in the US, your net worth is higher than 90% of US households, putting you in the top 10%.

How is global wealth percentile calculated?

Global wealth rankings compare your net worth per adult against the global adult population, using statistical distributions published in reports like the Credit Suisse/UBS Global Wealth Report. To be in the top 1% of wealthy adults globally requires a net worth of roughly $1.05 million USD.

What is household equivalized income?

Equivalized income is an adjustment that accounts for differences in household size and composition. Because larger households benefit from economies of scale (e.g., shared housing and bills), we divide total income by the household scale factor to compare purchasing power fairly on an individual basis.