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$12K 26–29$32K 30–33$65K 34–37$105K 38–41$160K 42–45$220K 46–50$290K 50 and over$380K

Income →

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

22–25$58K 26–29$82K 30–33$102K 34–37$118K 38–41$130K 42–45$138K 46–50$144K 50 and over$134K

Retirement savings →

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

22–25$4,000 26–29$11K 30–33$22K 34–37$38K 38–41$60K 42–45$88K 46–50$125K 50 and over$175K

Investments →

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

22–25$8,000 26–29$28K 30–33$55K 34–37$95K 38–41$145K 42–45$195K 46–50$260K 50 and over$350K

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 and over18%

Monthly spending →

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

22–25$3,200 26–29$4,100 30–33$4,800 34–37$5,400 38–41$5,800 42–45$6,100 46–50$6,400 50 and over$6,600

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