Retirement savings for people aged 55–59 in Boston
Balances across 401(k), 403(b), IRA and other retirement accounts.
Half of people aged 55–59 in Boston have a retirement savings above $40,120. Reaching the upper quarter takes about $359,400, and the top 10% starts at $1,271,020 — roughly 31.7× 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 | $40,120 | half above, half below |
| Upper quarter | $359,400 | 75th percentile |
| Top 10% | $1,271,020 | only 1 in 10 is above this |
| Average (mean) | $50,150 | 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 55–59 in Boston — plus savings rate, spending by category and net worth over time. Read-only bank access via Plaid; your numbers are never shown to anyone.
See where you stand →Free to start · no card requiredJust want the number? Try the percentile calculator — no signup, nothing leaves your browser.
Retirement savings by age in Boston
| Age | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| 22–25 → | $0 | $0 | $4,792 | $23K |
| 26–29 → | $0 | $1,180 | $25K | $74K |
| 30–33 → | $0 | $3,658 | $47K | $158K |
| 34–37 → | $0 | $2,832 | $78K | $278K |
| 38–41 → | $0 | $11K | $120K | $420K |
| 42–45 → | $0 | $26K | $184K | $598K |
| 46–50 → | $0 | $38K | $240K | $839K |
| 50–54 → | $0 | $37K | $264K | $1.1M |
| 55–59 | $0 | $40K | $359K | $1.3M |
| 60–64 → | $0 | $45K | $407K | $1.5M |
| 65 and over → | $0 | $0 | $305K | $1.5M |
Retirement savings at 55–59 by city
| Metro | Lower quarter | Median retirement savings | Upper quarter | Top 10% |
|---|---|---|---|---|
| New York City → | $0 | $44K | $399K | $1.4M |
| San Francisco → | $0 | $49K | $449K | $1.6M |
| Los Angeles → | $0 | $41K | $366K | $1.3M |
| Chicago → | $0 | $37K | $333K | $1.2M |
| Boston | $0 | $40K | $359K | $1.3M |
| Washington, DC → | $0 | $41K | $366K | $1.3M |
| Seattle → | $0 | $41K | $373K | $1.3M |
| Austin → | $0 | $38K | $340K | $1.2M |
More for people aged 55–59 in Boston
Get this cohort's numbers when they move.
One email on the 1st: the median and top-10% retirement savings for people aged 55–59 in Boston, 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 55–59 in Boston. Model sample basis: 120.