See how the top 1% hold their money. Then see where you stand.
Financert uses Federal Reserve data to show how the wealthiest American households hold their money and how your portfolio compares. Enter what you own by asset class and see your allocation beside every tier from the top 0.1% down to the bottom 50%, plus the tier your mix most resembles.
$49 one-time
One payment licenses Financert for your business permanently, with no subscription. Your license ID and download link appear right after checkout and are emailed to you. Personal, non-commercial use is free.
Buy a license · $49 one-time
What the data says
Share of investable assets, Q2 2026 (the quarter starting April 1), from the Federal Reserve's Distributional Financial Accounts:
| Asset class | Top 0.1% | Top 1% | Next 9% | Next 40% | Bottom 50% |
|---|---|---|---|---|---|
| Stocks & mutual funds | 58.9% | 54.5% | 34.3% | 12.6% | 4.6% |
| Private business equity | 17.4% | 14.7% | 7.6% | 4.1% | 2.1% |
| Real estate | 7.2% | 11.1% | 21.6% | 39.7% | 59.5% |
| Pensions & retirement | 1.7% | 4.9% | 19.0% | 26.2% | 15.4% |
| Cash & deposits | 5.3% | 5.5% | 7.2% | 8.7% | 9.6% |
The wealthiest hold their wealth in businesses and equities; the bottom half hold theirs in a house. The pattern sharpens further up: the top 0.1% hold a smaller share in property than anyone else, and almost nothing in a pension.
Three things it computes
Allocation
Gap
Nearest tier
What else to know
Published data, not estimates
Self-hosted
Works with no network
Six languages
Talks to an AI assistant
Not investment advice
Product facts
- Who it's for
- Anyone who wants to see how their portfolio's asset allocation compares with how US households at each wealth tier hold their money.
- What it does for you
- Your allocation beside every tier from the top 0.1% to the bottom 50%, the gap per asset class, and the tier your mix most resembles.
- What runs, and where
- Self-hosted. One command (./setup.sh, or setup.ps1 on Windows) starts the dashboard and API together at one address any computer on your network can open. Installed as an app, the dashboard keeps working with its server unreachable.
- AI model
- None needed. An included Claude Desktop extension adds six read-only tools if you want Claude to answer from the same data; it runs locally and stores nothing.
- You provide
- What you own, by asset class.
- Your data
- The Federal Reserve data ships inside it, so comparisons work without an internet connection. Saving portfolios is protected by a random token that setup generates, and Financert won't start without one.
- Price and billing
- $49 one-time per business, with no subscription or renewal. Personal, non-commercial use is free.
- License
- One business, permanently, for this major version. The terms are the LICENSE file inside the download.
- Delivery
- Your license ID and download link appear right after checkout and are emailed to you. Each purchase includes 25 downloads.
- Known limits
- Not investment advice. Copying the top 1%'s mix wouldn't reproduce their returns, and the data says nothing about risk, taxes, time horizon or leverage.
- A gap of 1.5pp or less is reported as in line, because the underlying data doesn't support finer precision.
- Saving portfolios and full history need the server; offline, the app uses the latest quarter.
- Version
- 0.1.0, as stated on its release badge
How it compares
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Financert is made by Merit AC. Using it at a business is covered by its commercial license in our terms. Questions: contact us.