Retirement savings for people aged 42–45 in Denver
Balances across 401(k), 403(b), IRA and other retirement accounts.
Half of people aged 42–45 in Denver have a retirement savings above $23,760. Reaching the upper quarter takes about $167,552, and the top 10% starts at $535,440 — roughly 22.5× 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 | $23,760 | half above, half below |
| Upper quarter | $167,552 | 75th percentile |
| Top 10% | $535,440 | only 1 in 10 is above this |
| Average (mean) | $29,700 | pulled up by the top end — the median is the better "typical" |
Track where you stand against people aged 42–45 in Denver.
This page is the cohort. An account adds you to it: type a rough figure and your percentile sits on your dashboard, kept current as the cohort moves, and you get this cohort's monthly update email. No bank connection needed to start. Connect accounts later for the exact number and the savings-rate, spending and income ranks.
Just want the number? Try the percentile calculator — no signup, nothing leaves your browser.
Retirement savings by age in Denver
| Age | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| 22–25 → | $0 | $0 | $4,352 | $21K |
| 26–29 → | $0 | $1,080 | $23K | $66K |
| 30–33 → | $0 | $3,348 | $42K | $141K |
| 34–37 → | $0 | $2,592 | $71K | $248K |
| 38–41 → | $0 | $9,936 | $109K | $375K |
| 42–45 | $0 | $24K | $168K | $535K |
| 46–50 → | $0 | $35K | $218K | $751K |
| 50–54 → | $0 | $33K | $239K | $1.0M |
| 55–59 → | $0 | $37K | $326K | $1.1M |
| 60–64 → | $0 | $41K | $370K | $1.3M |
| 65 and over → | $0 | $0 | $277K | $1.3M |
Retirement savings at 42–45 by city
| Metro | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| New York City → | $0 | $29K | $205K | $674K |
| San Francisco → | $0 | $32K | $230K | $769K |
| Los Angeles → | $0 | $26K | $188K | $611K |
| Chicago → | $0 | $24K | $171K | $548K |
| Boston → | $0 | $26K | $184K | $598K |
| Washington, DC → | $0 | $26K | $188K | $611K |
| Seattle → | $0 | $27K | $191K | $624K |
| Austin → | $0 | $25K | $174K | $561K |
More for people aged 42–45 in Denver
Get this cohort's numbers when they move.
One email on the 1st: the median and top-10% retirement savings for people aged 42–45 in Denver, what changed since last month, and how many members joined. No account, no spam, one-click unsubscribe.
You'll get the current figures right away, then monthly. Keeping Up Inc, New York. Privacy.
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 42–45 in Denver. Model sample basis: 120.