Benchmarks · Retirement savings · 46–50 · SF

Retirement savings for people aged 46–50 in San Francisco

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

Modeled estimate · federal survey data
Median
$181K
Upper quarter
$463K
Top 10%
$983K

Half of people aged 46–50 in San Francisco have a retirement savings above $181,250. Reaching the upper quarter takes about $463,450, and the top 10% starts at $982,700 — roughly 5.4× the median. The lower quarter sits below $50,904, and the bottom 10% is under $11,060.

The full distribution

PercentileRetirement savingsWhat it means
Bottom 10%$11,0609 in 10 are above this
Lower quarter$50,90425th percentile
Median$181,250half above, half below
Upper quarter$463,45075th percentile
Top 10%$982,700only 1 in 10 is above this
Average (mean)$226,563pulled 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 46–50 in San Francisco — 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 San Francisco

AgeLower quarterMedian retirement savingsUpper quarterTop 10%
22–25 →$707$5,800$21K$57K
26–29 →$4,242$16K$48K$119K
30–33 →$8,484$32K$93K$230K
34–37 →$14K$55K$150K$349K
38–41 →$23K$87K$239K$539K
42–45 →$34K$128K$344K$745K
46–50$51K$181K$463K$983K
50 and over →$74K$254K$628K$1.3M

Retirement savings at 46–50 by city

MetroLower quarterMedian retirement savingsUpper quarterTop 10%
New York City →$46K$163K$412K$862K
San Francisco$51K$181K$463K$983K
Los Angeles →$43K$150K$378K$781K
Chicago →$39K$138K$344K$701K
Boston →$42K$148K$371K$765K
Washington, DC →$43K$150K$378K$781K
Seattle →$43K$153K$385K$797K
Austin →$40K$140K$351K$717K

More for people aged 46–50 in San Francisco

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

Common questions

What is the median retirement savings for people aged 46–50 in San Francisco?
The median retirement savings for people aged 46–50 in San Francisco is $181,250. Half of this group is above that figure and half below.
What retirement savings puts you in the top 10% of people aged 46–50 in San Francisco?
About $982,700. The 90th percentile is the level only one in ten people in this group exceeds — roughly 5.4× 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 46–50 in San Francisco. Model sample basis: 120.