Benchmarks · Retirement savings · 26–29 · NYC

Retirement savings for people aged 26–29 in New York City

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

Modeled estimate · federal survey data
Median
$14K
Upper quarter
$43K
Top 10%
$104K

Half of people aged 26–29 in New York City have a retirement savings above $14,300. Reaching the upper quarter takes about $42,560, and the top 10% starts at $104,250 — roughly 7.3× the median. The lower quarter sits below $3,828, and the bottom 10% is under $628.

The full distribution

PercentileRetirement savingsWhat it means
Bottom 10%$6289 in 10 are above this
Lower quarter$3,82825th percentile
Median$14,300half above, half below
Upper quarter$42,56075th percentile
Top 10%$104,250only 1 in 10 is above this
Average (mean)$17,875pulled 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 26–29 in New York City — 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 New York City

AgeLower quarterMedian retirement savingsUpper quarterTop 10%
22–25 →$638$5,200$19K$50K
26–29$3,828$14K$43K$104K
30–33 →$7,656$29K$82K$202K
34–37 →$13K$49K$133K$306K
38–41 →$20K$78K$213K$473K
42–45 →$31K$114K$306K$653K
46–50 →$46K$163K$412K$862K
50 and over →$66K$228K$559K$1.2M

Retirement savings at 26–29 by city

MetroLower quarterMedian retirement savingsUpper quarterTop 10%
New York City$3,828$14K$43K$104K
San Francisco →$4,242$16K$48K$119K
Los Angeles →$3,552$13K$39K$95K
Chicago →$3,276$12K$36K$85K
Boston →$3,497$13K$38K$93K
Washington, DC →$3,552$13K$39K$95K
Seattle →$3,607$13K$40K$96K
Austin →$3,331$12K$36K$87K

More for people aged 26–29 in New York City

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

Common questions

What is the median retirement savings for people aged 26–29 in New York City?
The median retirement savings for people aged 26–29 in New York City is $14,300. Half of this group is above that figure and half below.
What retirement savings puts you in the top 10% of people aged 26–29 in New York City?
About $104,250. The 90th percentile is the level only one in ten people in this group exceeds — roughly 7.3× 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 26–29 in New York City. Model sample basis: 120.