Benchmarks

Where does your money actually rank?

Percentile distributions for net worth, income, retirement savings, investments, savings rate and spending — by age, and for the largest U.S. metros and industries. Modeled from federal survey data, blended with anonymized Keeping Up member data as cohorts grow.

Net worth →

Total assets minus total debts — bank accounts, investments, retirement accounts and home equity, less mortgages, loans and cards.

22–25$17K 26–29$39K 30–33$68K 34–37$98K 38–41$162K 42–45$205K 46–50$230K 50–54$255K 55–59$315K 60–64$445K 65 and over$485K

Income →

Gross annual income from salary, bonus and other regular deposits.

22–25$50K 26–29$73K 30–33$84K 34–37$89K 38–41$97K 42–45$106K 46–50$110K 50–54$104K 55–59$96K 60–64$84K 65 and over$72K

Retirement savings →

Balances across 401(k), 403(b), IRA and other retirement accounts.

22–25$0 26–29$1,000 30–33$3,100 34–37$2,400 38–41$9,200 42–45$22K 46–50$32K 50–54$31K 55–59$34K 60–64$38K 65 and over$0

Investments →

Everything invested in markets — brokerage, retirement accounts and employer plans combined.

22–25$0 26–29$2,200 30–33$5,300 34–37$5,000 38–41$14K 42–45$25K 46–50$38K 50–54$42K 55–59$47K 60–64$62K 65 and over$15K

Savings rate →

Share of take-home income saved or invested each month.

22–258%26–2911%30–3313%34–3714%38–4115%42–4516%46–5017%50–5418%55–5918%60–6415%65 and over5%

Monthly spending →

All non-transfer outflows in a typical month — housing, food, transport, subscriptions and everything else.

22–25$3,400 26–29$4,500 30–33$5,250 34–37$5,750 38–41$6,150 42–45$6,700 46–50$7,050 50–54$7,000 55–59$6,600 60–64$6,200 65 and over$4,950

Where do you stand?

These are the medians. Keeping Up shows your exact percentile — net worth, income, savings rate and spending — against people your age, in your city and industry, from your real accounts. Read-only bank access via Plaid; your numbers are never shown to anyone.

See where you stand →Free to start · no card required

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By metro

Net worth and income pages for each city, at every age band.

New York City San Francisco Los Angeles Chicago Boston Washington, DC Seattle Austin