Benchmarks · Savings rate · 42–45 · Miami

Savings rate for people aged 42–45 in Miami

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
16%
Upper quarter
26%
Top 10%
37%

Half of people aged 42–45 in Miami have a savings rate above 16%. Reaching the upper quarter takes about 26%, and the top 10% starts at 37% — roughly 2.3× the median. The lower quarter sits below 8%, and the bottom 10% is under 3%.

Where do you land against people aged 42–45 in Miami?
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The full distribution

PercentileSavings rateWhat it means
Bottom 10%3%9 in 10 are above this
Lower quarter8%25th percentile
Median16%half above, half below
Upper quarter26%75th percentile
Top 10%37%only 1 in 10 is above this
Average (mean)16%pulled up by the top end — the median is the better "typical"
Free account · people aged 42–45 in Miami

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Savings rate by age in Miami

AgeLower quarterMedian savings rateUpper quarterTop 10%
22–25 →2%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%
42–458%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 42–45 by city

MetroLower quarterMedian savings rateUpper quarterTop 10%
New York City →8%16%26%37%
San Francisco →8%16%26%37%
Los Angeles →8%16%26%37%
Chicago →8%16%26%37%
Boston →8%16%26%37%
Washington, DC →8%16%26%37%
Seattle →8%16%26%37%
Austin →8%16%26%37%

Savings rate in Miami for every age band →

More for people aged 42–45 in Miami

Net worth →Income →Retirement savings →Investments →Monthly spending →
Monthly update · people aged 42–45 in Miami

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One email on the 1st: the median and top-10% savings rate for people aged 42–45 in Miami, what changed since last month, and how many members joined. No account, no spam, one-click unsubscribe.

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Common questions

What is the median savings rate for people aged 42–45 in Miami?
The median savings rate for people aged 42–45 in Miami is 16%. Half of this group is above that figure and half below.
What savings rate puts you in the top 10% of people aged 42–45 in Miami?
About 37%. The 90th percentile is the level only one in ten people in this group exceeds — roughly 2.3× 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 42–45 in Miami. Model sample basis: 120.