Global Share of Adults with $3 Million Net Worth
About 1.3 percent of the global adult population holds a net worth of at least $3 million, according to Credit Suisse research on wealth distribution. This group is often classified as "high-net-worth" or "affluent" in global wealth reports.
U.S. Share of Households and Individuals
In the United States, roughly 2 to 3 percent of adults have a net worth above $3 million, based on Federal Reserve and survey data. When measured by households, the share is slightly higher because of combined assets and debts.
How Net Worth Is Calculated
Net worth equals total assets, including real estate, investments, and savings, minus all liabilities such as mortgages, loans, and credit card debt. A $3 million net worth means the value of assets exceeds debts by that amount.
Why This Threshold Matters
A $3 million net worth is a common benchmark for financial planning, retirement readiness, and wealth management services. It is used by advisors and institutions to segment clients, allocate investments, and estimate long-term financial security.
