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Pulsafi

Americans With No Retirement Savings (2026)

26%
Percent of US adults with $0 in retirement savings
Summary

Approximately 26% of US adults have $0 saved for retirement in 2026. The figure is concentrated among younger workers (43% of 18-29 year olds), low earners (52% of those under $25K), and minorities (Hispanic 38%, Black 35%). Even at age 50+, 17% have nothing saved — and the median for those who do save is only $135,000.

Breakdown

All adults26%
Ages 18-2943%
Ages 30-4426%
Ages 45-5920%
Ages 60+16%
Income under $25K52%
Source
Federal Reserve Report on Economic Well-Being of US Households (SHED)· As of 2026-Q1

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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.