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Methodology

Each calculator compares your entry with public US-government data: the Federal Reserve’s 2022 Survey of Consumer Finances for net worth, the Census Bureau’s CPS ASEC 2026 for household income, and the CDC 2000 growth charts for height. Source files and checksums.

Net worth and reference-person age ladders

Net worth comes from the Federal Reserve’s 2022 Survey of Consumer Finances Summary Extract. Its 22,975 public records are five imputed implicates for each of 4,595 surveyed families, and the curves pool the implicates with the survey weight. The SCF counts a “family” as the household’s primary economic unit (PEU): the economically dominant single person or couple and other household members financially interdependent with that person or couple. The age groups use the reference person’s age. See the Fed’s 2022 SCF report, Appendix B.

Net worth is the family’s assets minus its debts. The median these curves produce, $192,700, is about 0.1% below the Fed’s published benchmark of $192,900. The match is a check on the weighting.

Net worth by exact age

The net worth calculator compares a household with households whose head is about the same age. For each age from 22 to 85 it pools the households whose head is within 3 years of that age, a 7-year window, and weights each one by its survey weight times a triangular kernel: (4 − the gap in years between the head’s age and the window’s age) ÷ 4. A head exactly that age counts in full, one a year away 3/4, and one at the window’s edge 1/4. So neighbouring ages share most of their households, and the curves change smoothly from one age to the next instead of jumping at the edges of ten-year groups.

A window must hold at least 250 surveyed households. Where it would hold fewer, mostly at the youngest and oldest ages, it widens one year on each side, up to 6 years, with the same kernel over the wider span; the survey has no heads younger than 18, so a window is cut off there. Ages 22, 23, 24, 25, 81, 82, 83, 84, 85 use a wider window. Ages below 22 or above 85 use the nearest window, and the result says so. Every result names the ages its window covers. A window holds a few hundred households, so it ranks no finer than its top 5%.

The window code is checked against the Federal Reserve’s own groups: a window over exactly the ages 35 to 44 with equal weights reproduces the 35–44 curve point for point, and that curve’s median is the bulletin’s $135,300. The gap to the next decile is the amount between your entry and the next of the 10th, 20th … 90th percentiles of the same window (then the top 5%), read off the same curve.

Retirement accounts (the extract’s RETQLIQ) and cash in transaction accounts (LIQ) are offered as comparisons only because the same run reproduces the bulletin’s figures for them: retirement accounts, 54.3% of families holding any and a median of $87,000 among them (published: 54.3% and $87,000); transaction accounts, 98.6% of families holding any and a median of $8,000 among them (published: 98.6% and $8,000). A release whose figures did not reproduce would ship without them. Households holding none count as $0 in these curves.

Household money income and state ladders

The household income percentile calculator uses the Census CPS ASEC 2026 household file: HTOTVAL household totals for calendar year 2025, for interviewed households with a positive HSUP_WGT supplement weight. The resulting national median, $87,288, is within 0.2% of the $87,460 the Census Bureau publishes.

The 2025 vs 2024 comparison shows how each percentile and state changed from 2024, and how the two survey years are put on the same weighting.

Census defines money income as money income received on a regular basis before taxes and other deductions. It excludes certain money receipts such as capital gains, and it excludes noncash benefits such as food assistance, health benefits, and subsidized housing.

State curves use each state’s weighted CPS household records. The household income calculator and the state pages do not show replicate-weight confidence intervals, so state tables stop at p95, the side-by-side table on the ladders page stops at p90, and a state ranks no finer than the top 5%, on its own page and when it is chosen on the income calculator or its embed: any income above a state’s 95th percentile reads as the top 5% of that state. Results near the lower tail are labeled as broad bands.

State ranks, gaps and prices

Each state page ranks the state among the 50 states and D.C. by the median of its curve, the same curve its calculator uses. A state’s rank is one more than the number of states with a higher median, so states with equal medians share a rank. Census publishes a standard error for each state median (Table H-8); the page names the states whose medians fall within that margin of its own, because a rank one or two places apart can come from sampling alone.

The cost-adjusted figures use the Bureau of Economic Analysis’s regional price parities for 2024, the latest year published (February 19, 2026). Each state’s all-items index compares its price level with the US average of 100. An income divided by the index, times 100, is what it would buy at US-average prices. To rank an amount at US-average prices, the calculator compares it with every US household’s income adjusted the same way, each household by its own state’s index; the median of that adjusted distribution is $88,213. The index is a 2024 average across all goods and services and across each whole state. It does not reflect taxes, and prices differ within a state, between cities and rural areas.

Earnings and household income by age

The salary percentile calculator uses the person records of the Census CPS ASEC 2026: total earnings (PEARNVAL), which is wages and salaries plus self-employment income before taxes, for everyone 15 and older with earnings, weighted with the supplement weight MARSUPWT. Full-time, year-round workers usually worked 35 or more hours a week (HRSWK) for 50 or more weeks (WKSWORK) in 2025. Education groups cover people 25 and older, by the highest grade completed (A_HGA).

Reported earnings cluster on round amounts, such as exactly $50,000. So the earnings curves are built the way the Census Bureau computes its published medians: the amounts are grouped in $2,500 brackets and each percentile is read by straight-line interpolation within its bracket. Built that way, every median and its margin of error matches Table 11 of Income in the United States: 2025 to within $5. The calculator reads your amount the same way: the share of the group below it comes from those $2,500 brackets, straight-line within the bracket that holds it, and not from the curve drawn on the page.

The household income by age page uses the household records and the method of the household calculator, so its all-ages curve is the calculator’s; each age group belongs to the householder, the person in whose name the home is owned or rented. Its medians fall within the margins of error Census publishes in Table 1 of the same report.

Margins of error on both pages come from the 160 replicate weights Census publishes with the survey (asec_csv_repwgt_2026.csv), with Census’s formula: the variance is 4/160 times the sum of the squared differences between each replicate’s estimate and the full-sample estimate, and the 90% margin is 1.645 standard errors. A household takes its householder’s replicate weights. The calculators apply the same method to the share of the group below your amount. Groups with fewer than 20,000 survey respondents rank no finer than their top 5%.

Height (a page for parents)

Height uses the LMS parameters in the CDC 2000 stature-for-age data for ages 2–20, with z = ((x/M)^L − 1)/(L·S). Age is counted in completed whole months: completed month n, from 24 through 239, uses the n + 0.5 row. For example, the 25.5 row covers 25.0 up to but not including 26.0 months. The 20-year endpoint uses the 240.0 row because the data have no 240.5 row.

The height page is written for parents and caregivers as an educational reference. If you have questions about a child’s growth, ask a pediatrician.

Interpolation and limits

Each money curve holds values at percentiles 1–99, plus 99.5 and 99.9. The net worth and household income calculators place an entry by linear interpolation between those points, and an entry above the p99.9 value shows as 99.9. State curves go to the pages only up to p95, the finest rank a state is given. The salary calculator reads $2,500 brackets instead, as described above. Results are estimated positions within the survey data.

Survey estimates carry sampling error, which grows toward the tails and in smaller state samples, and SCF figures also carry imputation error. Surveys undercount the extreme tails; the SCF excludes the Forbes 400. SCF measures 2022 family balance sheets and CPS measures 2025 household money income, so the two money ladders describe different units and years and are not directly comparable. Nothing here is financial, tax, or medical advice.

Source files and checksums

The calculators’ data are built from these four files. The SCF and CDC files were checked against the agencies’ published copies on 2026-09-05, the Census file on 2026-09-26 and the BEA file on 2026-10-08. SHA-256 checksums:

The site uses these fixed copies and has no automatic refresh, so a newer government release does not change the numbers here.

This site is not affiliated with, or endorsed by, the Federal Reserve, Census Bureau, BEA, or CDC.