Benchmarks · Retirement savings · 50 and over · Austin

Retirement savings for people aged 50 and over in Austin

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

Modeled estimate · federal survey data
Median
$196K
Upper quarter
$475K
Top 10%
$983K

Half of people aged 50 and over in Austin have a retirement savings above $196,000. Reaching the upper quarter takes about $475,440, and the top 10% starts at $982,600 — roughly 5.0× the median. The lower quarter sits below $57,741, and the bottom 10% is under $13,224.

The full distribution

PercentileRetirement savingsWhat it means
Bottom 10%$13,2249 in 10 are above this
Lower quarter$57,74125th percentile
Median$196,000half above, half below
Upper quarter$475,44075th percentile
Top 10%$982,600only 1 in 10 is above this
Average (mean)$245,000pulled 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 50 and over in Austin — 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 Austin

AgeLower quarterMedian retirement savingsUpper quarterTop 10%
22–25 →$555$4,480$16K$42K
26–29 →$3,331$12K$36K$87K
30–33 →$6,662$25K$70K$168K
34–37 →$11K$43K$113K$254K
38–41 →$18K$67K$181K$393K
42–45 →$27K$99K$260K$543K
46–50 →$40K$140K$351K$717K
50 and over$58K$196K$475K$983K

Retirement savings at 50 and over by city

MetroLower quarterMedian retirement savingsUpper quarterTop 10%
New York City →$66K$228K$559K$1.2M
San Francisco →$74K$254K$628K$1.3M
Los Angeles →$62K$210K$512K$1.1M
Chicago →$57K$193K$466K$961K
Boston →$61K$207K$503K$1.0M
Washington, DC →$62K$210K$512K$1.1M
Seattle →$63K$214K$522K$1.1M
Austin$58K$196K$475K$983K

More for people aged 50 and over in Austin

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

Common questions

What is the median retirement savings for people aged 50 and over in Austin?
The median retirement savings for people aged 50 and over in Austin is $196,000. Half of this group is above that figure and half below.
What retirement savings puts you in the top 10% of people aged 50 and over in Austin?
About $982,600. The 90th percentile is the level only one in ten people in this group exceeds — roughly 5.0× 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 50 and over in Austin. Model sample basis: 120.