Retirement savings for people aged 34–37 in New York City
Balances across 401(k), 403(b), IRA and other retirement accounts.
Half of people aged 34–37 in New York City have a retirement savings above $3,120. Reaching the upper quarter takes about $86,450, and the top 10% starts at $312,750 — roughly 100.2× the median. 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 | $3,120 | half above, half below |
| Upper quarter | $86,450 | 75th percentile |
| Top 10% | $312,750 | only 1 in 10 is above this |
| Average (mean) | $3,900 | pulled up by the top end — the median is the better "typical" |
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Retirement savings by age in New York City
| Age | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| 22–25 → | $0 | $0 | $5,320 | $26K |
| 26–29 → | $0 | $1,300 | $28K | $83K |
| 30–33 → | $0 | $4,030 | $52K | $178K |
| 34–37 | $0 | $3,120 | $86K | $313K |
| 38–41 → | $0 | $12K | $133K | $473K |
| 42–45 → | $0 | $29K | $205K | $674K |
| 46–50 → | $0 | $42K | $266K | $945K |
| 50–54 → | $0 | $40K | $293K | $1.3M |
| 55–59 → | $0 | $44K | $399K | $1.4M |
| 60–64 → | $0 | $49K | $452K | $1.6M |
| 65 and over → | $0 | $0 | $339K | $1.6M |
Retirement savings at 34–37 by city
| Metro | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| New York City | $0 | $3,120 | $86K | $313K |
| San Francisco → | $0 | $3,480 | $97K | $357K |
| Los Angeles → | $0 | $2,880 | $79K | $284K |
| Chicago → | $0 | $2,640 | $72K | $254K |
| Boston → | $0 | $2,832 | $78K | $278K |
| Washington, DC → | $0 | $2,880 | $79K | $284K |
| Seattle → | $0 | $2,928 | $81K | $289K |
| Austin → | $0 | $2,688 | $74K | $260K |
More for people aged 34–37 in New York City
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 34–37 in New York City. Model sample basis: 120.