P
Pulsafi

Average 401(k) Balance by Age (2026)

$112,572
Average 401(k) balance across all participants
Summary

The average 401(k) balance across all US participants is approximately $112,572 in 2026, up from $107,000 in 2025. The figure varies dramatically by age — under-25s average $5,200, while those 65+ average $230,000+.

Breakdown

Under 25$5,236
25-34$30,017
35-44$76,354
45-54$142,069
55-64$207,874
65+$232,710
Source
Vanguard How America Saves 2025· As of 2026-Q1

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Median 401(k) Balance by Age →401(k) Contribution Limits 2026 →

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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.