Benchmarks · Retirement savings · 30–33 · SF

Retirement savings for people aged 30–33 in San Francisco

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

Modeled estimate · federal survey data
Median
$32K
Upper quarter
$93K
Top 10%
$230K

Half of people aged 30–33 in San Francisco have a retirement savings above $31,900. Reaching the upper quarter takes about $92,690, and the top 10% starts at $229,825 — roughly 7.2× the median. The lower quarter sits below $8,484, and the bottom 10% is under $1,382.

The full distribution

PercentileRetirement savingsWhat it means
Bottom 10%$1,3829 in 10 are above this
Lower quarter$8,48425th percentile
Median$31,900half above, half below
Upper quarter$92,69075th percentile
Top 10%$229,825only 1 in 10 is above this
Average (mean)$39,875pulled 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 30–33 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

Retirement savings by age in San Francisco

AgeLower quarterMedian retirement savingsUpper quarterTop 10%
22–25 →$707$5,800$21K$57K
26–29 →$4,242$16K$48K$119K
30–33$8,484$32K$93K$230K
34–37 →$14K$55K$150K$349K
38–41 →$23K$87K$239K$539K
42–45 →$34K$128K$344K$745K
46–50 →$51K$181K$463K$983K
50 and over →$74K$254K$628K$1.3M

Retirement savings at 30–33 by city

MetroLower quarterMedian retirement savingsUpper quarterTop 10%
New York City →$7,656$29K$82K$202K
San Francisco$8,484$32K$93K$230K
Los Angeles →$7,104$26K$76K$183K
Chicago →$6,552$24K$69K$164K
Boston →$6,994$26K$74K$179K
Washington, DC →$7,104$26K$76K$183K
Seattle →$7,214$27K$77K$186K
Austin →$6,662$25K$70K$168K

More for people aged 30–33 in San Francisco

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

Common questions

What is the median retirement savings for people aged 30–33 in San Francisco?
The median retirement savings for people aged 30–33 in San Francisco is $31,900. Half of this group is above that figure and half below.
What retirement savings puts you in the top 10% of people aged 30–33 in San Francisco?
About $229,825. The 90th percentile is the level only one in ten people in this group exceeds — roughly 7.2× 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 30–33 in San Francisco. Model sample basis: 120.