The median adult holds $9,000. The top 1% starts at $1 million. Type your number; find your tier.
My net worth is roughly $USD, debts and all.
Your global rank · among 3.81 billion adults
TOP 60%
Ahead of 1.53bn adults · band < $10k
The global wealth pyramid
Six tiers. 3.81 billion adults.
Each row is a band of net wealth. Adults on the left, wealth on the right; the two halves are the mirror of each other. Walk down the rows and you trade people for assets: 41% of adults hold 0.6% of the wealth at the base, and 2,891 billionaires at the apex hold more than the bottom half of humanity combined.
Slab widths use √(cumulative-adults) for legibility; the apex would otherwise be invisible. All printed numbers are unmodified.
My Finance Tools · Net-worth trackerFree account
The number changes every month. Track it like one.
You are sitting in the < $10k tier — top 60% of adults worldwide. The pyramid moves underneath you every quarter. Add your accounts to My Finance Tools (banks, brokerage, pension, property) by file import or by hand, and your dashboard ranks your latest net worth against your country's wealth data, or this UBS pyramid where there is none. Move countries, get a raise, take on a mortgage; you see where the line moves and why.
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Where the middle is
Median nine thousand. Mean a hundred twenty-three.
Mean wealth is roughly 13× higher than median wealth, the single cleanest measure of how top-heavy the distribution is. The median ($9,000) is the truer middle of humanity; the mean ($123,500) is what you get when you average billionaires and subsistence farmers in the same column.
Global median
$9k
50th percentile
Half of all adults hold less than this.
You
$9k
Top 60%
1.0 × the global median.
Global mean
$124k
~Top 18%
Average is pulled up 13× by the top of the pyramid.
Three numbers worth the asterisk
What the pyramid actually hides.
The inversion
40.7% of adults hold 0.6% of all wealth.
1.55 billion adults live below the $10,000 line. Their entire combined wealth is $2.71 trillion — less than the market cap of a single American tech company. Add the next band ($10k–$100k) and you cover 82% of the planet on 12.7% of the wealth.
The apex
0.21% of adults hold 22% of all wealth.
Eight million adults sit in the $5M-and-up band. They own as much wealth ($103.3T) as the entire $100k–$1M tier, which contains {{ratio}}× more people. Move up one more rung and 2,891 billionaires alone hold $15.7T — a 3.3% share that exceeds the bottom half of humanity by a factor of six.
The real middle
$100k–$1M is the global middle class.
628 million adults — 16.4% of the world — sit in this band, and they hold the largest single share of global wealth: 39.2%. If you own a paid-off home in most rich countries, you are likely already in this tier. The "global 1%" line sits at roughly $1M in net assets.
The lever you can pull
What the next rung costs.
Below the millionaire line the bands are wide on a log scale — a 10× jump each step. The dollar gap to the next rung is the most honest single number on this page: it is what the pyramid is really asking of you.
Next tier
$10k – $100k
Floor · $10k
You need
$1k
1.1× current
Top 60%→Top 59%
Tier above that
$100k – $1M
Floor · $100k
You need
$91k
11.1× current
Top 60%→Top 18%
The millionaire club
Sixty million millionaires. Where they live.
One in 64 adults has a million dollars. Most of them are in two places: North America, with 43% of the world's millionaires, and Western Europe with 26%. The map is reshaping fast — UBS projects another 5.3 million adults will cross the line by 2029, an accelerating 9% growth rate.
$1 million in net assets puts an adult in the global top 1.6%. $100,000 puts them in the top 18%. The median adult on earth holds about $9,000 in total wealth, mostly housing equity and modest savings.
They tell different stories. Income is a flow (what arrives this year); wealth is a stock (what you have accumulated, after debts). Globally, wealth is far more concentrated than income: the top 1.6% own 48% of all wealth, while the top 1% of earners take roughly 20% of income.
UBS pools national household balance-sheet data, household surveys, and rich-list adjustments (Forbes, Hurun) into a single per-adult distribution, then sorts adults into six bands by net wealth. The bottom band absorbs everyone with under $10,000 in assets, including those with negative net worth.
Yes, and the figure understates the inversion. Most of that 0.6% is concentrated in the upper half of the under-$10k band. The bottom decile is, on aggregate, negative — debts exceed assets. Conversely the top 0.21% own 22% of all wealth.
Because property dominates household balance sheets, and most of the world does not own property at scale. UBS does not publish $9,000 as a single headline number — it is derived from the band structure. Switzerland's within-country median is closer to $700,000; Indonesia's is around $5,000.
The United States holds about 23.8 million — roughly 40% of the world's millionaires — followed by mainland China (6.3M), the United Kingdom, Germany, and Japan. 684,000 adults joined the millionaire band in 2024, and UBS projects another 5.3 million by 2029.