Benchmarks · Retirement savings · 38–41 · Engineering

Retirement savings for Engineering professionals aged 38–41 in the U.S.

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

Modeled estimate · federal survey data

Household-level figures: the underlying survey (Fed SCF) measures households, grouped by the reference person's age — combined for a couple, and they read high for a single person. Why, and how this changes as live data grows.

Median

$12K

Upper quarter

$139K

Top 10%

$495K

Half of Engineering professionals aged 38–41 in the U.S. have a retirement savings above $12,420. Reaching the upper quarter takes about $138,500, and the top 10% starts at $494,700 — roughly 39.8× the median. The lower quarter sits below $0, and the bottom 10% is under $0.

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The full distribution

Percentile	Retirement savings	What it means
Bottom 10%	$0	9 in 10 are above this
Lower quarter	$0	25th percentile
Median	$12,420	half above, half below
Upper quarter	$138,500	75th percentile
Top 10%	$494,700	only 1 in 10 is above this
Average (mean)	$15,525	pulled up by the top end — the median is the better "typical"

Free account · Engineering professionals aged 38–41 in the U.S.

Track where you stand against Engineering professionals aged 38–41 in the U.S..

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Retirement savings by age

Age	Lower quarter	Median retirement savings	Upper quarter	Top 10%
22–25 →	$0	$0	$5,540	$28K
26–29 →	$0	$1,350	$29K	$87K
30–33 →	$0	$4,185	$54K	$186K
34–37 →	$0	$3,240	$90K	$327K
38–41	$0	$12K	$139K	$495K
42–45 →	$0	$30K	$213K	$706K
46–50 →	$0	$43K	$277K	$989K
50–54 →	$0	$42K	$305K	$1.4M
55–59 →	$0	$46K	$416K	$1.5M
60–64 →	$0	$51K	$471K	$1.7M
65 and over →	$0	$0	$353K	$1.7M

More for Engineering professionals aged 38–41 in the U.S.

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

Monthly update · Engineering professionals aged 38–41 in the U.S.

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One email on the 1st: the median and top-10% retirement savings for Engineering professionals aged 38–41 in the U.S., what changed since last month, and how many members joined. No account, no spam, one-click unsubscribe.

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Common questions

What is the median retirement savings for Engineering professionals aged 38–41 in the U.S.?

The median retirement savings for Engineering professionals aged 38–41 in the U.S. is $12,420. Half of this group is above that figure and half below.

What retirement savings puts you in the top 10% of Engineering professionals aged 38–41 in the U.S.?

About $494,700. The 90th percentile is the level only one in ten people in this group exceeds — roughly 39.8× 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 2025 Survey of Consumer Finances (released October 2026), 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 — 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: Engineering professionals aged 38–41 in the U.S.. Model sample basis: 80.