Benchmarks · Retirement savings · 38–41 · Seattle

Retirement savings for people aged 38–41 in Seattle

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

Modeled estimate · federal survey data
Median
$73K
Upper quarter
$199K
Top 10%
$437K

Half of people aged 38–41 in Seattle have a retirement savings above $73,200. Reaching the upper quarter takes about $198,720, and the top 10% starts at $437,240 — roughly 6.0× the median. The lower quarter sits below $19,238, and the bottom 10% is under $3,561.

The full distribution

PercentileRetirement savingsWhat it means
Bottom 10%$3,5619 in 10 are above this
Lower quarter$19,23825th percentile
Median$73,200half above, half below
Upper quarter$198,72075th percentile
Top 10%$437,240only 1 in 10 is above this
Average (mean)$91,500pulled 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 Seattle — 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 Seattle

AgeLower quarterMedian retirement savingsUpper quarterTop 10%
22–25 →$601$4,880$17K$46K
26–29 →$3,607$13K$40K$96K
30–33 →$7,214$27K$77K$186K
34–37 →$12K$46K$124K$283K
38–41$19K$73K$199K$437K
42–45 →$29K$107K$286K$604K
46–50 →$43K$153K$385K$797K
50 and over →$63K$214K$522K$1.1M

Retirement savings at 38–41 by city

MetroLower quarterMedian retirement savingsUpper quarterTop 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 Seattle

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

Common questions

What is the median retirement savings for people aged 38–41 in Seattle?
The median retirement savings for people aged 38–41 in Seattle is $73,200. 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 Seattle?
About $437,240. The 90th percentile is the level only one in ten people in this group exceeds — roughly 6.0× 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 Seattle. Model sample basis: 120.