Benchmarks · Investments · 22–25

Investments for people aged 22–25 in the U.S.

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

Modeled estimate · federal survey data

Median

$8,000

Upper quarter

$28K

Top 10%

$65K

Half of people aged 22–25 in the U.S. have a total invested above $8,000. Reaching the upper quarter takes about $28,000, and the top 10% starts at $65,000 — roughly 8.1× the median. The lower quarter sits below $1,000, and the bottom 10% is under $0.

The full distribution

Percentile	Investments	What it means
Bottom 10%	$0	9 in 10 are above this
Lower quarter	$1,000	25th percentile
Median	$8,000	half above, half below
Upper quarter	$28,000	75th percentile
Top 10%	$65,000	only 1 in 10 is above this
Average (mean)	$10,000	pulled up by the top end — the median is the better "typical"

Where do you stand?

Connect your accounts and Keeping Up shows your exact percentile against people aged 22–25 in the U.S. — plus savings rate, spending by category and net worth over time. Read-only bank access via Plaid; your numbers are never shown to anyone.

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

Investments by age

Age	Lower quarter	Median investments	Upper quarter	Top 10%
22–25	$1,000	$8,000	$28K	$65K
26–29 →	$5,000	$28K	$75K	$160K
30–33 →	$12K	$55K	$130K	$260K
34–37 →	$22K	$95K	$220K	$420K
38–41 →	$35K	$145K	$330K	$610K
42–45 →	$50K	$195K	$430K	$800K
46–50 →	$70K	$260K	$560K	$1.0M
50 and over →	$95K	$350K	$720K	$1.3M

Investments at 22–25 by city

Metro	Lower quarter	Median investments	Upper quarter	Top 10%
New York City →	$1,276	$10K	$37K	$90K
San Francisco →	$1,414	$12K	$42K	$103K
Los Angeles →	$1,184	$9,600	$34K	$82K
Chicago →	$1,092	$8,800	$31K	$73K
Boston →	$1,166	$9,440	$34K	$80K
Washington, DC →	$1,184	$9,600	$34K	$82K
Seattle →	$1,202	$9,760	$35K	$84K
Austin →	$1,110	$8,960	$32K	$75K

National figures above; metro pages adjust for local incomes and housing costs.

More for people aged 22–25 in the U.S.

Net worth →Income →Retirement savings →Savings rate →Monthly spending →

Common questions

What is the median total invested for people aged 22–25 in the U.S.?

The median total invested for people aged 22–25 in the U.S. is $8,000. Half of this group is above that figure and half below.

What total invested puts you in the top 10% of people aged 22–25 in the U.S.?

About $65,000. The 90th percentile is the level only one in ten people in this group exceeds — roughly 8.1× the median.

Where do these numbers come from?

They are modeled percentile distributions fitted to this cohort from federal survey microdata — the Federal Reserve's Survey of Consumer Finances, the BLS Consumer Expenditure Survey, Census ACS and BLS wage data — and they blend toward anonymized, aggregated data from Keeping Up members as each cohort grows. Full methodology at keepingup.com/methodology.

How this is built. Percentiles are modeled for this cohort from federal survey microdata — Federal Reserve Survey of Consumer Finances, BLS Consumer Expenditure Survey, Census American Community Survey and BLS Occupational Employment & Wage Statistics — with metro cost-of-living and wage adjustments. As Keeping Up members in this cohort grow, the band blends toward anonymized, aggregated live data (minimum cohort sizes apply; no individual is ever identifiable). Amounts are in current dollars. Read the full methodology.

Last updated June 2026. Cohort: people aged 22–25 in the U.S.. Model sample basis: 500.