Retirement savings for people aged 22–25 in San Francisco
Balances across 401(k), 403(b), IRA and other retirement accounts.
Half of people aged 22–25 in San Francisco have a retirement savings above $0. Reaching the upper quarter takes about $5,980, and the top 10% starts at $30,115. 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 | $5,980 | 75th percentile |
| Top 10% | $30,115 | 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 San Francisco
| Age | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| 22–25 | $0 | $0 | $5,980 | $30K |
| 26–29 → | $0 | $1,450 | $31K | $95K |
| 30–33 → | $0 | $4,495 | $58K | $203K |
| 34–37 → | $0 | $3,480 | $97K | $357K |
| 38–41 → | $0 | $13K | $150K | $539K |
| 42–45 → | $0 | $32K | $230K | $769K |
| 46–50 → | $0 | $46K | $299K | $1.1M |
| 50–54 → | $0 | $45K | $329K | $1.5M |
| 55–59 → | $0 | $49K | $449K | $1.6M |
| 60–64 → | $0 | $55K | $508K | $1.9M |
| 65 and over → | $0 | $0 | $381K | $1.9M |
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 San Francisco
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 San Francisco. Model sample basis: 120.