How rich am I for my age?

Enter your net worth: everything you own, pensions and property included, less everything you owe. If you haven't added it up, the net worth calculator does it category by category.

For all households in Great Britain the ONS publishes six points on the wealth distribution for April 2020 to March 2022: the bottom 10% threshold (£16,500), the lower quartile (£70,500), the median (£293,700), the upper quartile (£662,100), the top 10% threshold (£1,200,500) and the top 1% threshold (£3,121,500).

Between those points the calculator interpolates on the logarithm of wealth (log-linear interpolation). Wealth multiplies rather than adds as you move up the distribution, so a straight line between points on a log scale follows it more closely than a straight line in pounds. Below the bottom 10% threshold it draws a straight line from £0, and anything at or below £0 is the lowest point. Above the top 1% threshold nothing is published, so the answer is simply top 1%.

For each age band the ONS publishes the median but not the other points. This calculator assumes each age band's wealth is spread like the country's as a whole, and scales the national points so the median matches the band's. That makes the band thresholds estimates, not published figures. In practice wealth is probably more spread out among younger households, where some own a home and many don't, so treat a percentile within an age band as a rough position rather than an exact rank.

The ONS counts net property, private pensions, savings and investments, and physical wealth such as cars and contents. It leaves out the State Pension. The figures are from 2020 to 2022 and haven't been adjusted for what prices have done since.

Median household wealth by age of the household reference person, with the estimated thresholds for the top 10% and top 1% of each band. The medians are published by the ONS; the thresholds are modelled as described above.

For more on what's behind these medians, see average net worth by age in the UK.

Most UK wealth isn't money in the bank. Net property wealth is 40% of the total and private pensions 35%; savings and investments are 14% and physical wealth such as cars and contents 10%.

That shapes every comparison here. Households that own outright had median wealth of £647,400, those with a mortgage £404,700, and renters £40,800. If you rent, your percentile mostly measures your pensions and savings against households that also own a home, which is why renting households tend to sit lower in the distribution.

Pensions also explain why wealth rises so steeply with age: a workplace pension started in your 20s is small for years, then compounds. Defined benefit pensions are counted at an estimated value, which the ONS changed its method for in this round, so older bands are the least certain.