What Net Worth Is Considered Top 10%
In the United States, the top 10% of households typically have a net worth of roughly $1.2 million or more, according to the Federal Reserve's Survey of Consumer Finances. In many other developed countries, the threshold is lower but still requires substantial assets.
How Net Worth Is Calculated
Net worth equals total assets, including home equity, savings, investments, and retirement accounts, minus all liabilities such as mortgages, auto loans, and credit card debt. Only the final balance is used for percentile rankings.
Why the Top 10% Threshold Matters
Crossing the top 10% line often changes access to financial strategies, tax planning, and investment options. It also reflects a household's ability to build and preserve wealth over time relative to peers.
For the latest data, see the Federal Reserve's Survey of Consumer Finances at Federal Reserve Survey of Consumer Finances.
