Wealth vs Peers — Net Worth by Age Calculator
See how your net worth compares to peers your age in India. Get your wealth percentile ranking and grade.
Parameters
30 years
$1,000,000
$80,000
$20,000
C+
Below Average
Top 62%
for age group 30-35
Wealth Percentile
38th percentile
Peer Median (P50)
$1,500,000
Gap to Median
$500,000
Gap to Top 10%
$14,000,000
3 years
About Wealth Benchmarking & Acceleration
Understand your wealth position relative to peers and learn evidence-based strategies to improve your ranking.
Understanding Wealth Percentiles in India
India has one of the world's most unequal wealth distributions. The top 1% holds nearly 40% of total wealth, while the median Indian household has a net worth of approximately ₹15 lakh across all age groups. Understanding where you stand helps calibrate financial goals and identify the gap between your current trajectory and financial independence.
Data Disclaimer: Wealth percentiles are estimated from RBI, Oxfam, and SEBI survey data (2022–2024). Figures are approximations and may not reflect your specific profession, city tier, or demographic.
The Wealth vs Income Trap
Many high-income earners have surprisingly low net worth because income without savings rate produces no wealth. A ₹2 lakh/month salary with 100% spending leaves zero net worth accumulation. Conversely, a ₹60K/month earner with 30% savings rate can reach the top 25% for their age group within 15 years. The percentile calculator shows that consistent savings rate matters more than income level for building lasting wealth.
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Get the BookQuestions & Answers
What is the average net worth for a 30-year-old in India?
Based on RBI and SEBI survey data, the median (P50) net worth for the 30–35 age group in India is approximately ₹15 lakh. The top 10% have ₹1.5 crore or more. These are approximations from public survey data and vary significantly by profession and city.
What counts as net worth?
Net worth = Total Assets − Total Liabilities. Assets include cash, bank savings, mutual funds, stocks, EPF balance, real estate value, gold, and other investments. Liabilities include home loan balance, car loan, personal loans, and credit card debt.
How accurate is the percentile data?
The percentile estimates are derived from publicly available surveys (RBI Household Finance Survey, SEBI Investor Survey, Oxfam India reports). They provide directional guidance but should not be treated as precise figures. Individual data is neither collected nor stored.
What is a good net worth at age 35?
A common rule of thumb is that net worth should equal your annual income by age 35, and 3× annual income by age 45. However, India's wide income disparity means these benchmarks vary significantly. Focus on consistent progress rather than specific numbers.