how much does a 22-year-old have saved?
the median, not the average. and where you rank.
$2,600
the typical american aged 21–24 has about $2,600 in cash savings: half have more, half have less. about 10% have nothing saved at all. the average is pulled far higher by a few big balances, which is why it's the wrong number to compare yourself to.
where do you land?
cash in checking, savings and money-market accounts. not retirement accounts, not what you owe. nothing you type leaves this page.
savings by age
| age | bottom quarter | median | top quarter | top 10% |
|---|---|---|---|---|
| 18–20 | $280 | $1,100 | $3,900 | $9,400 |
| 21–24 | $720 | $2,600 | $7,900 | $21,300 |
| 25–29 | $1,300 | $4,400 | $14,200 | $35,400 |
| 30–35 | $2,100 | $6,900 | $20,900 | $48,900 |
how this is worked out
United States, ages 21-24: zero mass 0.1, then lognormal median $3000, σ 1.5, chosen to match the published centre and spread in the sources; breakpoints are the world curve's own (every wheel edge). A modelled curve anchored to published US figures, not a fit to microdata;
- Survey of Consumer Finances 2022 · Federal Reserve Board, 2023
- Economic Well-Being of U.S. Households (SHED) 2023 · Federal Reserve Board, 2024
that's one number. behind scores eight.
money, looks, height, popularity, screen time and more, each ranked against everyone born your year in the country you grew up in. one card, about two minutes.
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