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Average vs median 401(k) balance by age 0 $100k $200k $300k Under 25 $7k $2k 25 to 34 $50k $19k 35 to 44 $121k $47k 45 to 54 $215k $79k 55 to 64 $305k $107k 65 and older $330k $103k Average Median (typical saver)

Source: Vanguard, How America Saves 2026 (year-end 2025 data). Provider data, not nationally representative. Educational benchmarks, not financial advice.

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Educational estimate, not financial advice. See finexplained.com for methodology and assumptions.