Compound Mint

Average savings by age

What American families really have saved, from the Federal Reserve 2025 survey.

Educational content only. Not financial advice.

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Median retirement savings

Under 35: $21,000. 35 to 44: $61,200. 45 to 54: $133,000. 55 to 64: $239,000. 65+: $257,000.

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Why averages look scary

Averages run 2 to 3 times the median: $670,200 vs $239,000 at 55 to 64. A few big balances pull them up.

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Many have not started

Only 48.8% of families under 35 have a retirement account at all.

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Cash in the bank

Median in checking and savings: $5,000 under 35, rising to $14,000 at 75+.

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Net worth by age

Median net worth under 35 fell 23% after inflation since 2022, to $33,000. At 55 to 64 it is $411,900.

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How do you compare?

Every number, table and source is in the full page.

Educational content only. Not financial advice. Examples are hypothetical, not guaranteed.