Net Worth Percentile
Type a figure, pick a country, and see your estimated percentile — plus what counts as rich, high net worth (HNW) and ultra high net worth (UHNW). The numbers never leave your browser.
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Top ~50%
Above the median adult for this country.
$250,000 in United States
Illustrative estimates. Adult net-worth thresholds vary by source and year; figures above are rounded approximations drawn from public wealth distribution reports such as the UBS Global Wealth Report. Not authoritative statistics. wlthy does not store anything you type here.
Adult net-worth thresholds · United States
High net worth (HNW)
$1,000,000+ investable
The common industry threshold for a high-net-worth individual is roughly USD 1 million in investable assets.
Ultra high net worth (UHNW / UHNWI)
$30,000,000+ net worth
An ultra-high-net-worth individual (UHNWI) is commonly defined as someone with USD 30 million or more in total or investable net worth.
“Rich” is a moving target. It depends on where you live, whether you’re counting an individual or a household, and which year’s data you read. The cleanest way to make sense of it is to stop thinking in absolute dollars and start thinking in percentiles and tiers.
Top 1% net worth. In a wealthy country, the top 1% line is the figure people usually mean when they say someone is rich. In the United States it sits in the region of USD 11 million per adult as an approximate figure; other countries are lower. Reaching the top 5% or top 10% already puts you well above the typical adult, even if it doesn’t hit the headline 1% number.
High net worth (HNW). The financial industry draws its own lines that don’t care about your country’s percentile table. A high-net-worth individual is commonly someone with USD 1 million or more in investable assets — that is, money you could put to work, usually excluding your primary home. It’s the threshold private banks and wealth managers use to decide who they serve.
Ultra high net worth (UHNW / UHNWI). The tier above that is ultra high net worth. An ultra-high-net-worth individual (UHNWI) is commonly defined as someone with USD 30 million or more in net worth. It’s a small population in absolute terms, but it’s the group most global wealth reports track closely, because it holds a large share of total private wealth. Between HNW and UHNW there’s sometimes a “very high net worth” band (roughly USD 5 million to USD 30 million), but the two anchor figures to remember are USD 1 million and USD 30 million.
One last thing worth keeping straight: net worth is everything you own minus everything you owe. That includes home equity, retirement accounts, business stakes and alternative assets — not just the cash in your current account. The reason a single “am I rich” answer is so slippery is that most people only ever see one slice of their own balance sheet. Adding up the whole thing is exactly what a net-worth tracker is for.
A real net-worth number isn't just your brokerage balance. wlthy adds up stocks and ETFs, crypto and on-chain wallets, real estate, private equity stakes, vehicles, precious metals and cash into one figure — so the percentile you're comparing against is the whole picture, not a fragment.
Percentile tables shift by country and currency. wlthy lets you read your net worth in any of 13 currency lenses, so you can see where you'd land whether you measure in USD, EUR, GBP, CHF or beyond.
This calculator does its maths in your browser and stores nothing. wlthy itself is built the same way: your holdings stay yours, never sold, with per-record encryption at rest on any documents you upload. Wealth you can track quietly.
A percentile is a moment in time. wlthy takes a daily snapshot of your net worth so you can watch the trend move — and see yourself climb from one bracket toward the next over months and years.
There's no single legal definition, so 'rich' is usually read off percentiles and industry tiers. In most wealthy countries, sitting in the top 5% of adult net worth (often around USD 1.5–2.5 million depending on the country) is widely considered wealthy. The financial industry tends to use cleaner cut-offs: USD 1 million or more in investable assets is 'high net worth', and USD 30 million or more is 'ultra high net worth'.
As an approximate, illustrative figure, the top 1% of US adult net worth sits somewhere in the region of USD 11 million, with the top 0.1% far higher. Exact thresholds vary by source, year and whether the figure is per adult or per household, so treat any single number as a ballpark rather than a precise line. The calculator on this page lets you check different figures against an estimated US table.
An ultra-high-net-worth individual (UHNWI) is commonly defined as a person with USD 30 million or more in net worth, often measured as investable or total assets depending on the report. It's the tier above 'high net worth' (USD 1 million+ investable). The USD 30 million line is the figure most wealth reports and private banks use when they count the UHNW population.
Both conventions exist, which is a big reason percentile figures differ between sources. Many wealth reports measure net worth per adult, while a lot of everyday discussion (and some government data) is per household. A household figure naturally looks higher because it can pool two adults' assets. The estimates on this page are framed per adult; if you're comparing a household total, expect to land a notch lower than the per-adult table suggests.
Yes. Net worth is everything you own minus everything you owe, and that includes the equity in your home (its market value minus the mortgage). It also includes retirement accounts, investments, business stakes, vehicles and cash. Most percentile tables — including the estimates here — are based on total net worth, so home equity counts.
The calculator compares the figure you type against a small table of approximate adult net-worth thresholds for the country you pick (the top 50%, 10%, 5%, 1% and 0.1% lines) and reports the band you fall into. These thresholds are round, illustrative estimates meant to give a sense of scale, not exact statistics. For real, precise figures, check the latest global wealth report from a source such as UBS.
The calculator gives you a rough percentile. wlthy gives you the real one — every asset class, daily snapshots, in the currency you think in. Three days free before you commit.
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