Benchmarks · Retirement savings · 38–41 · NYC

Retirement savings for people aged 38–41 in New York City

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

Modeled estimate · federal survey data

Median

$78K

Upper quarter

$213K

Top 10%

$473K

Half of people aged 38–41 in New York City have a retirement savings above $78,000. Reaching the upper quarter takes about $212,800, and the top 10% starts at $472,600 — roughly 6.1× the median. The lower quarter sits below $20,416, and the bottom 10% is under $3,765.

The full distribution

Percentile	Retirement savings	What it means
Bottom 10%	$3,765	9 in 10 are above this
Lower quarter	$20,416	25th percentile
Median	$78,000	half above, half below
Upper quarter	$212,800	75th percentile
Top 10%	$472,600	only 1 in 10 is above this
Average (mean)	$97,500	pulled 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 38–41 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

Age	Lower quarter	Median retirement savings	Upper quarter	Top 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 38–41 by city

Metro	Lower quarter	Median retirement savings	Upper quarter	Top 10%
New York City	$20K	$78K	$213K	$473K
San Francisco →	$23K	$87K	$239K	$539K
Los Angeles →	$19K	$72K	$195K	$428K
Chicago →	$17K	$66K	$178K	$384K
Boston →	$19K	$71K	$192K	$420K
Washington, DC →	$19K	$72K	$195K	$428K
Seattle →	$19K	$73K	$199K	$437K
Austin →	$18K	$67K	$181K	$393K

More for people aged 38–41 in New York City

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

Common questions

What is the median retirement savings for people aged 38–41 in New York City?

The median retirement savings for people aged 38–41 in New York City is $78,000. Half of this group is above that figure and half below.

What retirement savings puts you in the top 10% of people aged 38–41 in New York City?

About $472,600. The 90th percentile is the level only one in ten people in this group exceeds — roughly 6.1× 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 38–41 in New York City. Model sample basis: 120.