Benchmarks · Retirement savings · 22–25 · Chicago

Retirement savings for people aged 22–25 in Chicago

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

Modeled estimate · federal survey data
Median
$4,400
Upper quarter
$16K
Top 10%
$41K

Half of people aged 22–25 in Chicago have a retirement savings above $4,400. Reaching the upper quarter takes about $15,540, and the top 10% starts at $40,680 — roughly 9.2× the median. The lower quarter sits below $546, and the bottom 10% is under $0.

The full distribution

PercentileRetirement savingsWhat it means
Bottom 10%$09 in 10 are above this
Lower quarter$54625th percentile
Median$4,400half above, half below
Upper quarter$15,54075th percentile
Top 10%$40,680only 1 in 10 is above this
Average (mean)$5,500pulled 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 Chicago — plus savings rate, spending by category and net worth over time. Read-only bank access via Plaid; your numbers are never shown to anyone.

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Retirement savings by age in Chicago

AgeLower quarterMedian retirement savingsUpper quarterTop 10%
22–25$546$4,400$16K$41K
26–29 →$3,276$12K$36K$85K
30–33 →$6,552$24K$69K$164K
34–37 →$11K$42K$111K$249K
38–41 →$17K$66K$178K$384K
42–45 →$26K$97K$255K$531K
46–50 →$39K$138K$344K$701K
50 and over →$57K$193K$466K$961K

Retirement savings at 22–25 by city

MetroLower quarterMedian retirement savingsUpper quarterTop 10%
New York City →$638$5,200$19K$50K
San Francisco →$707$5,800$21K$57K
Los Angeles →$592$4,800$17K$45K
Chicago$546$4,400$16K$41K
Boston →$583$4,720$17K$44K
Washington, DC →$592$4,800$17K$45K
Seattle →$601$4,880$17K$46K
Austin →$555$4,480$16K$42K

More for people aged 22–25 in Chicago

Net worth →Income →Investments →Savings rate →Monthly spending →

Common questions

What is the median retirement savings for people aged 22–25 in Chicago?
The median retirement savings for people aged 22–25 in Chicago is $4,400. Half of this group is above that figure and half below.
What retirement savings puts you in the top 10% of people aged 22–25 in Chicago?
About $40,680. The 90th percentile is the level only one in ten people in this group exceeds — roughly 9.2× 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 Chicago. Model sample basis: 120.