For Americans aged 30 to 33, the median net worth currently stands at $68,000. This figure represents the midpoint of the distribution, meaning half of the individuals in this specific age bracket possess a net worth above this amount, while the other half falls below it. This net worth is calculated as total assets—including bank accounts, investments, retirement accounts, and home equity—minus total debts such as mortgages, loans, and credit card balances.
The figures are derived from a blended methodology that combines federal survey microdata with anonymized, aggregated data from platform members. The primary sources include the Federal Reserve's 2025 Survey of Consumer Finances (released in late 2026), the Bureau of Labor Statistics (BLS) Consumer Expenditure Survey, and Census American Community Survey data. These sources are adjusted for metro-specific cost-of-living and wage variations. As the number of members in the cohort grows, the modeled estimates are increasingly supplemented by live, individual-level data to refine the percentile distributions.
The dashboard illustrates how individual net worth and peer rankings are modeled and displayed for members of the cohort.
While the median sits at $68,000, the distribution reveals a stark concentration of wealth at the upper end. The top 10% of people in this age group have a net worth of $440,000, while the lower quarter of the cohort sits below $7,100. Notably, the bottom 10% of the group reports a negative net worth, indicating they owe more than they own. Geographic and industrial factors also create significant variance; for example, the median net worth in San Francisco is reported at $99,000, significantly higher than the national median, reflecting the influence of local economic conditions on wealth accumulation for this demographic.