Benchmarks · Monthly spending · 50 and over · SF

Monthly spending for people aged 50 and over in San Francisco

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

Modeled estimate · federal survey data

Median

$6,600

Upper quarter

$9,200

Top 10%

$13K

Half of people aged 50 and over in San Francisco have a monthly spending above $6,600. Reaching the upper quarter takes about $9,200, and the top 10% starts at $13,000 — roughly 2.0× the median. The lower quarter sits below $4,800, and the bottom 10% is under $3,400.

The full distribution

Percentile	Monthly spending	What it means
Bottom 10%	$3,400	9 in 10 are above this
Lower quarter	$4,800	25th percentile
Median	$6,600	half above, half below
Upper quarter	$9,200	75th percentile
Top 10%	$13,000	only 1 in 10 is above this
Average (mean)	$7,260	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 50 and over in San Francisco — 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

Monthly spending by age in San Francisco

Age	Lower quarter	Median monthly spending	Upper quarter	Top 10%
22–25 →	$2,400	$3,200	$4,400	$6,200
26–29 →	$3,000	$4,100	$5,600	$7,800
30–33 →	$3,500	$4,800	$6,600	$9,200
34–37 →	$3,900	$5,400	$7,400	$10K
38–41 →	$4,200	$5,800	$8,000	$11K
42–45 →	$4,400	$6,100	$8,400	$12K
46–50 →	$4,600	$6,400	$8,800	$12K
50 and over	$4,800	$6,600	$9,200	$13K

Monthly spending at 50 and over by city

Metro	Lower quarter	Median monthly spending	Upper quarter	Top 10%
New York City →	$4,800	$6,600	$9,200	$13K
San Francisco	$4,800	$6,600	$9,200	$13K
Los Angeles →	$4,800	$6,600	$9,200	$13K
Chicago →	$4,800	$6,600	$9,200	$13K
Boston →	$4,800	$6,600	$9,200	$13K
Washington, DC →	$4,800	$6,600	$9,200	$13K
Seattle →	$4,800	$6,600	$9,200	$13K
Austin →	$4,800	$6,600	$9,200	$13K

More for people aged 50 and over in San Francisco

Net worth →Income →Retirement savings →Investments →Savings rate →

Common questions

What is the median monthly spending for people aged 50 and over in San Francisco?

The median monthly spending for people aged 50 and over in San Francisco is $6,600. Half of this group is above that figure and half below.

What monthly spending puts you in the top 10% of people aged 50 and over in San Francisco?

About $13,000. The 90th percentile is the level only one in ten people in this group exceeds — roughly 2.0× 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 50 and over in San Francisco. Model sample basis: 120.