Benchmarks · Savings rate · 22–25 · Tech

Savings rate for Tech professionals 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
12%
Upper quarter
20%
Top 10%
29%

Half of Tech professionals aged 22–25 in the U.S. have a savings rate above 12%. Reaching the upper quarter takes about 20%, and the top 10% starts at 29% — roughly 2.4× the median. The lower quarter sits below 6%, and the bottom 10% is negative — more owed than owned.

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The full distribution

PercentileSavings rateWhat it means
Bottom 10%-1%9 in 10 are above this
Lower quarter6%25th percentile
Median12%half above, half below
Upper quarter20%75th percentile
Top 10%29%only 1 in 10 is above this
Average (mean)12%pulled up by the top end — the median is the better "typical"
Free account · Tech professionals aged 22–25 in the U.S.

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Savings rate by age

AgeLower quarterMedian savings rateUpper quarterTop 10%
22–256%12%20%29%
26–29 →8%15%24%34%
30–33 →9%17%26%37%
34–37 →10%18%28%39%
38–41 →11%19%29%40%
42–45 →12%20%30%41%
46–50 →13%21%31%42%
50–54 →14%22%32%44%
55–59 →14%22%32%44%
60–64 →12%19%29%40%
65 and over →4%9%18%29%

More for Tech professionals aged 22–25 in the U.S.

Net worth →Income →Retirement savings →Investments →Monthly spending →
Monthly update · Tech professionals aged 22–25 in the U.S.

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One email on the 1st: the median and top-10% savings rate for Tech professionals aged 22–25 in the U.S., 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

What is the median savings rate for Tech professionals aged 22–25 in the U.S.?
The median savings rate for Tech professionals aged 22–25 in the U.S. is 12%. Half of this group is above that figure and half below.
What savings rate puts you in the top 10% of Tech professionals aged 22–25 in the U.S.?
About 29%. The 90th percentile is the level only one in ten people in this group exceeds — roughly 2.4× 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 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: Tech professionals aged 22–25 in the U.S.. Model sample basis: 80.