Retirement savings for people aged 22–25 in Chicago
Balances across 401(k), 403(b), IRA and other retirement accounts.
Half of people aged 22–25 in Chicago have a retirement savings above $0. Reaching the upper quarter takes about $4,440, and the top 10% starts at $21,470. The lower quarter sits below $0, and the bottom 10% is under $0.
The full distribution
| Percentile | Retirement savings | What it means |
|---|---|---|
| Bottom 10% | $0 | 9 in 10 are above this |
| Lower quarter | $0 | 25th percentile |
| Median | $0 | half above, half below |
| Upper quarter | $4,440 | 75th percentile |
| Top 10% | $21,470 | only 1 in 10 is above this |
| Average (mean) | $0 | pulled up by the top end — the median is the better "typical" |
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Retirement savings by age in Chicago
| Age | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| 22–25 | $0 | $0 | $4,440 | $21K |
| 26–29 → | $0 | $1,100 | $23K | $68K |
| 30–33 → | $0 | $3,410 | $43K | $145K |
| 34–37 → | $0 | $2,640 | $72K | $254K |
| 38–41 → | $0 | $10K | $111K | $384K |
| 42–45 → | $0 | $24K | $171K | $548K |
| 46–50 → | $0 | $35K | $222K | $768K |
| 50–54 → | $0 | $34K | $244K | $1.1M |
| 55–59 → | $0 | $37K | $333K | $1.2M |
| 60–64 → | $0 | $42K | $377K | $1.3M |
| 65 and over → | $0 | $0 | $283K | $1.3M |
Retirement savings at 22–25 by city
| Metro | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| New York City → | $0 | $0 | $5,320 | $26K |
| San Francisco → | $0 | $0 | $5,980 | $30K |
| Los Angeles → | $0 | $0 | $4,880 | $24K |
| Chicago | $0 | $0 | $4,440 | $21K |
| Boston → | $0 | $0 | $4,792 | $23K |
| Washington, DC → | $0 | $0 | $4,880 | $24K |
| Seattle → | $0 | $0 | $4,968 | $24K |
| Austin → | $0 | $0 | $4,528 | $22K |
More for people aged 22–25 in Chicago
Common questions
How this is built. Percentiles are modeled for this cohort from federal survey microdata — the Federal Reserve's 2025 Survey of Consumer Finances (released October 2026), the BLS Consumer Expenditure Survey (2024), the Census American Community Survey and BLS Occupational Employment & Wage Statistics (May 2025) — 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). Seeded figures are household-level, as in the SCF; live cohorts are individual-level. Amounts are in current dollars. Read the full methodology.
Last updated October 2026. Cohort: people aged 22–25 in Chicago. Model sample basis: 120.