Benchmarks

Where does your money actually rank?

Percentile distributions for net worth, income, retirement savings, investments, savings rate and spending — by age, and for the largest U.S. metros and industries. Modeled from federal survey data, blended with anonymized Keeping Up member data as cohorts grow.

Net worth →

Total assets minus total debts — bank accounts, investments, retirement accounts and home equity, less mortgages, loans and cards.

22–25$12K26–29$32K30–33$65K34–37$105K38–41$160K42–45$220K46–50$290K50 and over$380K

Income →

Gross annual income from salary, bonus and other regular deposits.

22–25$58K26–29$82K30–33$102K34–37$118K38–41$130K42–45$138K46–50$144K50 and over$134K

Retirement savings →

Balances across 401(k), 403(b), IRA and other retirement accounts.

22–25$4,00026–29$11K30–33$22K34–37$38K38–41$60K42–45$88K46–50$125K50 and over$175K

Investments →

Everything invested in markets — brokerage, retirement accounts and employer plans combined.

22–25$8,00026–29$28K30–33$55K34–37$95K38–41$145K42–45$195K46–50$260K50 and over$350K

Savings rate →

Share of take-home income saved or invested each month.

22–258%26–2911%30–3313%34–3714%38–4115%42–4516%46–5017%50 and over18%

Monthly spending →

All non-transfer outflows in a typical month — housing, food, transport, subscriptions and everything else.

22–25$3,20026–29$4,10030–33$4,80034–37$5,40038–41$5,80042–45$6,10046–50$6,40050 and over$6,600

Where do you stand?

These are the medians. Keeping Up shows your exact percentile — net worth, income, savings rate and spending — against people your age, in your city and industry, from your real accounts. Read-only bank access via Plaid; your numbers are never shown to anyone.

See where you stand →Free to start · no card required

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By metro

Net worth and income pages for each city, at every age band.

New York CitySan FranciscoLos AngelesChicagoBostonWashington, DCSeattleAustin