Benchmarks · Savings rate · 22–25

Savings rate for people aged 22–25 in the U.S.

Share of take-home income saved or invested each month.

Modeled estimate · federal survey data
Household-level figures: the underlying survey (Fed SCF) measures households, grouped by the reference person's age — combined for a couple, and they read high for a single person. Why, and how this changes as live data grows.
Median
8%
Upper quarter
16%
Top 10%
25%

Half of people aged 22–25 in the U.S. have a savings rate above 8%. Reaching the upper quarter takes about 16%, and the top 10% starts at 25% — roughly 3.1× the median. The lower quarter sits below 2%, and the bottom 10% is negative — more owed than owned.

Where do you land against people aged 22–25 in the U.S.?
%
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The full distribution

PercentileSavings rateWhat it means
Bottom 10%-5%9 in 10 are above this
Lower quarter2%25th percentile
Median8%half above, half below
Upper quarter16%75th percentile
Top 10%25%only 1 in 10 is above this
Average (mean)8%pulled up by the top end — the median is the better "typical"
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  • Your rank, kept current. Type a rough figure and your percentile sits on your dashboard, moving as the cohort does.
  • Six ranks, not one. Net worth, income, savings rate, spending, retirement and investments against people aged 22–25 in the U.S..
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Keeping Up dashboard for a demo member: net worth $348K, peer rank top 43%, savings rate top 3%, monthly spend top 41%
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Savings rate by age

AgeLower quarterMedian savings rateUpper quarterTop 10%
22–252%8%16%25%
26–29 →4%11%20%30%
30–33 →5%13%22%33%
34–37 →6%14%24%35%
38–41 →7%15%25%36%
42–45 →8%16%26%37%
46–50 →9%17%27%38%
50–54 →10%18%28%40%
55–59 →10%18%28%40%
60–64 →8%15%25%36%
65 and over →0%5%14%25%

Savings rate at 22–25 by city

MetroLower quarterMedian savings rateUpper quarterTop 10%
New York City →2%8%16%25%
San Francisco →2%8%16%25%
Los Angeles →2%8%16%25%
Chicago →2%8%16%25%
Boston →2%8%16%25%
Washington, DC →2%8%16%25%
Seattle →2%8%16%25%
Austin →2%8%16%25%

National figures above; metro pages adjust for local incomes and housing costs.

More for people aged 22–25 in the U.S.

Net worth →Income →Retirement savings →Investments →Monthly spending →

Common questions

What is the median savings rate for people aged 22–25 in the U.S.?
The median savings rate for people aged 22–25 in the U.S. is 8%. Half of this group is above that figure and half below.
What savings rate puts you in the top 10% of people aged 22–25 in the U.S.?
About 25%. The 90th percentile is the level only one in ten people in this group exceeds — roughly 3.1× 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 2025 Survey of Consumer Finances (released October 2026), 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 — 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 22–25 in the U.S.. Model sample basis: 500.