# Income Percentile Calculator by Age

Rank your total income by age range to see what income percentile you are. Find out if you’re in the 1%, to see where you stand today, or  to see where you project yourself to be in the future.

 Starting Comparison Age: Ending Comparison Age: Income (Annual) : \$

Instructions: Simply add up your households annual income, such as your salary, your spouse's salary, bonus, business income, and windfall events, then enter it into the calculator. The age ranges are based off of the age of the head of household, who is typically the primary income earner. The way that the age ranges work is to limit the results to the age groups that you are interested in comparing yourself to, so that the results are more relevant. So for example, if you are 35, I would recommend setting the minimum to 30 and the maximum to 40. The calculator will then update to show only the household incomes of households with heads within that age range.

## Income Summary Statistics

### Household Ranking:

0.6%
Household Percentile Rank : An income of \$0 for ages 30 to 40 ranks at the 0.61%
Household Median Income : \$82,149
Household Mean Income : \$134,650
Household Income 25th - 75th Percentile Ranges : \$46,479 to \$128,629

### Individual Ranking:

11.2%
Individual Percentile Rank : An income of \$0 for ages 30 to 40 ranks at the 11.19%
Individual Median Income : \$37,500
Individual Mean Income : \$51,729
Individual Incomes 25th - 75th Percentile Ranges : \$15,000 to \$66,500

Re-calculate for a different income / age combination.
Continue scrolling to see distribution graphs and additional statistics.

## Income Percentiles by Age

50th Percentile (Median) : \$82,149
75th Percentile: \$128,629
95th Percentile: \$308,060
99th Percentile: \$712,321
I couldn't fit all the ultra-high income 99%+ on this graph, so they're lumped into the last bar.

## Income Percentile Stats

• To be in the top 1% for this age range, your household would need an income of \$712,321 per year. This would include salary, investments, and any business income. Read more about the households that make up the top 1% by income earnings.
• To be in the top 5% for this age range, your household would need an income of \$308,060 per year. This would include salary, investments, and any business income.
• Your income of \$0 for ages 30 to 40 ranks at the 0.61th percentile. Re-enter a different income to find the percentile for that age / income combination.

### Income Related Posts

If you’re interested in occupation level income percentiles, you can explore our new calculators. See the full occupation list or explore common occupations such as software developers, CEOs, or cashiers.

In addition, I have created a non-profit CEO income percentile page using data from publicly available IRS 990s. You may also be interested in the net worth percentile calculator.

## Income Composition of Households like you versus the Median

Comparisons of Income components of similar households versus median households.
• Households like you ( weighted using 0th to 5.6th percentiles)
• Versus Households at the Median (weighted using 45th to 55th percentiles)
Income CategorySimilar HouseholdsMedian Households
Total Income:\$462\$82,149
Wage & Salary Income:\$200\$75,581
Interest & Dividends:\$0\$135
Capital Gains:\$-15\$216
Retirement Income:\$0\$0
Transfers & Welfare:\$159\$1,760
Other Income:\$-34\$1,341

Comparisons of Net Worth, Assets, and Debt components of similar households versus median households.
Asset CategorySimilar HouseholdsHouseholds with Median Incomes
Net Worth:\$3,546\$252,656
Total Assets:\$4,250\$386,376
Financial Assets:\$768\$49,529
Main House:\$1,994\$192,836
Other Assets:\$1,487\$144,011
Total Debts:\$703\$133,719
Main Mortgage:\$4,737\$102,753
Other Debts:\$467\$30,966
The income and asset compositions are calculated using weighted averages of all the households with-in the specific percentiles. For example, only a portion of the households will own homes, but the asset composition value above for Main House will be averaged across all households still.

## Table of Income Percentiles for Ages 30 to 40

For reference, here is how much a household would have to earn to rank at certain percentiles between the ages 30 to 40.
PercentileIncome (in Dollars)
90%\$223,749
80%\$144,842
70%\$117,819
60%\$102,687
50%\$82,149
40%\$68,097
30%\$54,046
20%\$39,994
10%\$25,942
Percentiles show the ranking of a particular income result. So a 90% (ninetieth percentile) means that out 100 people the household ranked 90th would have an income of around \$223,749.

### Visualizing where you stand

This is where your income would rank if there were 100 households within the nation who's head of households were between the ages of 30 to 40. 99 households would be have higher incomes than you. 0 households would have lower incomes than your household.

Share These Results :

### Methodology

Household Level Results: These results are based off of 3675 household samples where the head of household was age 30 to 40 and are weighted to represent 25485502 American households. The SCF is known to be slightly biased towards higher incomes values, which the Federal Reserve attempts to correct for by adjusting the weighting of each household response. Keep this in mind if the number of responses your output is based off of is low, or if you are looking at the tail ends of the data--like the top 1% or bottom 1%.The numbers are based off of the results of the 2022 Survey of Consumer Finances by the Federal Reserve. I used R to separate one of the five imputations with the sample replicatant weights from the Federal Reserve.

Individual Level Results: Results that are labeled individual are sourced from the 2017-2021 American Communities Survey and aggregated to the age and nearest \$500 income interval to help with web page load speeds. Individuals in your specified age range who reported \$0 income are included in this dataset, so these numbers maybe lower than you would expect. Because I have combined two different sources, some of the numbers may not align perfectly.

• Update: October 2023, I have updated to the 2022 SCF results. The individual income values are based on 2017-2022 ACS results.
• Update: September 2020, these results now reflect the 2019 SCF. In addition,  I have added individual percentiles based off of the American Communities Survey data.
• Update: August 2020, I added a new graph of the distribution of income by frequency. The distribution for 99%+ goes really far out, so I have the graph cutting those values off after a little bit to save horizontal space.
• Update: Jan 2020, I have added some distributions of the source of income for your selected ranges. As well as some additional pages for occupation specific results.  Hopefully this gives you more guidance in what kinds of income are contributing more depending on the income level.
• Update: April 2019, incomes appear to be growing faster than inflation for the past few years.  If you use this data to compare your current income to the distribution, it will probably be safe to assume that your percentile rank is slightly lower.
• Update: September 2017, The data is now updated with data from 2016! Median income has risen 10% from 2013 to 2016. Some of the age ranges look a little more irregular than usual, so I will be on the lookout for any additional updates from the Federal Reserve. As of 2/24/2018 there have been no updates to the data that was published. Looking across the data, young adult incomes (adjusted for inflation) have been flat over the past generation, but debt is increasing.

## 58 thoughts on “Income Percentile Calculator by Age”

1. Jim C says:

Is this individual or family?

1. Shnugi says:

Household/family.

2. sandra says:

Would also be great if you could show a financial asset percentile ranking like the SCF shows (which would include retirement assets too, essentially net worth minus non financial assets/home)

3. Scott N says:

Is this salary, salary and bonus, or total compensation including benefits?

4. Ciaran says:

Is this household income before income taxes are deducted or after taxes?

5. Dan says:

I live by myself, so I am competing with married couples and homes with half a dozen roommates?

1. Shnugi says:

So you would be competing with married couples but not roommates.

6. Brian says:

Did I miss is this pre or post tax basis?

1. Shnugi says:

It’s pre-tax (gross) income.

Is it only for US or for entire world population?

1. Shnugi says:

This is only for the US.

8. john says:

do you have any tools to break it down by state?

1. Shnugi says:

Unfortunately the data gets very noisy on the state level (because it gets split so many ways), so I did not build the calculator to show that.

9. Caleb says:

When will the data be updated from 2013?

1. Shnugi says:

The 2016 SCF results should be available around summer 2017, so I’ll probably update as soon as it’s available!

1. Caleb says:

Hopefully, the new data is close to being ready.

2. Caleb says:

Will the 2016 data be ready soon?

1. Shnugi says:

The data isn’t available yet. If I remember correctly, the 2013 data was posted around August/September 2014, so I would expect a similar release for 2016 data in August/September of this year.

3. Caleb says:

1. Shnugi says:

Not yet, fingers crossed the government will release the new data soon!

10. Chris Stone says:

Should be limited to city/state or region. Numbers are inflated by large cities with higher costs of living.

1. Small town big earner says:

No excuses

11. CharlesM says:

First and foremost, I enjoy this site-you do an incredible job. But I noticed something unusual for our age group (76-78). The top 90% starting point has doubled based on the \$191,388.28 you show on the chart. If you go back to the chart with your 2013 statistics that range starts at around \$95,000. I can’t see how my age group’s income could double over the period of 3 years. At this age group people are living on social security, pensions, interest, dividends, and 401K type income. Some might have a part-time job. While their net worth might go up a lot, I don’t see how their income could increase that much. If you still have the 2013 statistics calculator, try it out and see what I mean. I’m wondering if other older age groups might reflect a similar increase for 2016 vs 2013.

1. Shnugi says:

Yeah I’m not sure, it might be that the sample size is small and potentially biased. The Treasury usually publishes 1-2 updates after the initial release, so the results may shift.

12. cmr says:

why does dqydj which also follows the SCF have the top 1% of household income at \$400k (as does political calculations) and you have it much higher than that?

1. Shnugi says:

Which calculator are you closing of theirs? I was going to look but they have multiple income percentile calculators with different sources and years.

1. Shnugi says:

It looks like they’re using a different data source this year. I do remember them having SCF powered calculators. The SCF which powers most of the calculators here does have a notice that they over-sample ultra wealthy households compared to other similar government surveys. Here’s one of the articles they posted in 2008, and most likely the same trend continues in the most recent data https://www.federalreserve.gov/econresdata/scf/files/index_kennickell.html

13. James Reilly says:

What assets are required to generate that income.

14. Balance Sheet Affluent says:

Happy to rank top 10%! either with just my income alone or household income. we are in our mid 30s. Feels great, as we also rank among the top in your other calculators (net worth by age, savings rate, etc.) but I’m compelled to also share this:
We make the effort to save at least 40% of our total income (pre tax and post tax). 2018 Goal is to be a 50% saver/investor.
Bottom line, we believe that high earnings is not just a privilege but a responsibility to be continue to work hard, spend thrift, and have a deep suspicion of consumption.

Love these calculators – they are informing, inspiring, and motivating all at once.

15. Branson Marks says:

Wow I thought I was poor. I’m 21 and currently would make \$30k per year, but my online business is growing exponentially and may make \$100k this year if I can keep it up!!! 🙂 nice to know if I don’t grow anymore I’m still in the top 20% for my age. I also am invested in cryptocurrency which I believe for sure can make a handsome amount of money for my age and I am on my way to be a young millionaire 🙂

16. tudou says:

If you find a large number of visitors from China recently, it’s not a DDOS attack. This URL is referenced in the WeChat public account of a well-known investment opinion leader.

17. Brian says:

If you are in retirement and your investments generate a significant portion of your income annually. Do you include that. For example. Social security. 40,000, interest from investments 60,000. Is my income 0, 40,000, or 100,000.

18. kim says:

It Should be limited to city/state or region. Numbers are inflated by large cities with higher costs of living. Thanks for sharing this nice and informative article.

19. cash says:

Hey,
I’m wondering why the incomes in the upper range are so high?
On this calculator, you need \$868k+ to be in the top 1%, but on other calculators the cutoff is in the 400k-500k range.

For example, the IRS data shows that the cutoff for the top 1% is at \$515k based on 2017 tax returns.

1. Shnugi says:

There’s a lot of literature on the differences, and it’s all very dense: https://www.irs.gov/pub/irs-soi/11pwcompench9asource.pdf . I think part of it is there maybe some oversampling in the SCF vs the IRS of high income households. In addition, the IRS \$480k value you’re citing is AGI, while the SCF values are gross self reported values, which may have some differences with how people are reporting it on the survey versus how they would report it on taxes. For example, if people have income from businesses, trusts, or other entities that they might lump under their household in the SCF but are split out into a different taxable entity for the IRS.

20. Boris says:

Great work here!
I like to use few different calculators (to get more accurate data) and yours fits right in there, based on results.
I like the breakouts you offer, very helpful!
Thank you.

21. Anonymous says:

The race/ethnic data is incorrect.

1. Shnugi says:

In general, wider age ranges (at least 5 years) will give more accurate information for the demographic graphs. Since these results are generated from survey results, some of the data is a little bit clumpy when you look at very small cuts of it. For example, selecting a min and max of 30 will give odd looking results, but selecting 28-32 will give something more reasonable looking.

I’ve added some logic so that there is a warning that will show up for smaller age ranges.

22. Anonymous says:

Are the individual income rankings based on the latest data from 2019 or on an average of the 2014-2018 survveys?

1. Shnugi says:

They are still based on 2014-2018, but that’s a good reminder for me to update those.

EDIT : 3/27/21, I have updated the individual income values and they are now reflective of the 2015-2019 American Communities Survey.

23. Franklin says:

Individual median income is coming up as \$3,000 for age range 25-65 and\$151,000. This HAS to be wrong. Thanks.

1. Shnugi says:

Thank you for the find! I have fixed the issue. When I updated the table for 2015-2019, the data type was changed to character so the sorting was messed up. I apologize for that.

24. Charles M. says:

Thank you for including “Individual Ranking” in your calculations. I think it’s a good addition. I do have a little dilemma on what to include as income from rental property in my total income calculation. Should I include gross rental income or net rental income after such expenses as maintenance, property taxes, and insurance etc. Income such as salary and business income seem to be included before taxes and other costs, so should rental income be included before expenses and costs too?

25. Shnugi says:

I think you should mirror how you report that income/expense/deductions on your taxes.

26. Peter says:

What is “Other Assets”
Financial Assets I assume are stocks, bonds, currency (including cash & crypto) and retirement accounts. Main house is pretty self explanatory as well… but no idea what would be “other assets… ”

I guess I dont have secondary homes and rental properties accounted for anywhere but the numbers still seem off (e.g. 25k in other assets for median households). My net worth is about half of “other households with similar income” and while my financial assets and home value are inline with the group, its the “other assets” where I seem to fall short.

27. Anonymous says:

Why are the 22 year old percentiles so off from all other age groups through age 34?At income of 771,000 ages 23-34 are 99.99 percentile but age 22 is 94 percentile.

1. Shnugi says:

Some of the age ranges have low samples and can result in unusual distributions.

28. Ryan says:

When do you anticipate data to reflect 2022?

1. Shnugi says:

The 2019 data was released Nov 2020, so probably Nov 2023 for 2022 data.

29. Joren says:

This is a great resource. Thanks for making this!

30. JimbleBot 2.0 says:

This is really well constructed, thanks a lot for going out of your way to create this tool for us to use!

31. Steve says:

Might be interesting to break down the MSA level income because those of us on the coasts make more, but our comparisons are more against those in our area since the cost of living is substantially higher.

32. Amanda says:

I see the 2022 SCF was released 10/23. When do you anticipate the calculations to reflect the most recent survey?

1. Shnugi says:

I have just finished updating the Income, Networth, Debt, and Retirement comparisons to 2022 data.

33. Name reviewer says:

656,531,945 Households? There’s not that many people in the US…

1. Shnugi says:

I had a manual adjustment on the webpage that was causing the number of households to inflate when it loaded the page and has been removed.

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