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How Do Your Retirement Savings Compare to Average 401(k) Balances by Age?

Use this article as a guideline, but remember that everyone's financial situation is different.

How Do Your Retirement Savings Compare to Average 401(k) Balances by Age?

Published July 25, 2026 · Category: Finance

Overview

One of the more important financial tasks is saving for retirement. It can be easy to put on the back burner when it's decades away, but the best thing you can do for your retirement savings is to start early and let the power of compound earnings work its magic.

Everyone's retirement needs will vary, but it can sometimes be helpful to know where your savings stand compared to other people in your age group. It shouldn't be taken as gospel, but perspective helps decide if you need to make some changes.

Details

Vanguard is one of the largest 401(k) plan administrators, so its reports are often used as the go-to source for 401(k) statistics. According to data from its How America Saves report, here are the average and median 401(k) balances by age groups:

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Source

Originally published at www.fool.com.

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Disclaimer: This article is for informational purposes only and does not constitute investment advice. Data may be delayed up to 15 minutes. Past performance is not indicative of future results. Consult a licensed financial advisor before making investment decisions.