What Is the Average Retirement Savings by Age?

The average retirement savings in the U.S. is $106,000, but the average retirement savings by age, income, level of education, and race varies.

By Jack Caporal – Updated Oct 16, 2026 at 12:11 PM EST | Fact-checked by Margo Winton Parodi

Key Points

  • Median U.S. retirement savings in 2025 was $106,000; the average ($451,120) significantly higher due to high earner outliers.
  • Retirement savings increase with age, notably post-35 due to compounding interest and higher incomes.
  • Educational attainment and race significantly impact retirement savings, with college graduates and white Americans saving more.

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