Average Roth IRA Balance by Age (2026)

The average Roth IRA balance across all ages is $32,400 in 2026, with the median much lower at $13,800. By age, average balances climb from $4,500 (under 25) to $76,000 (60+). The median Roth balance for 60+ is $25,000 — meaningfully smaller than 401(k) balances at the same age because Roth IRAs only became widely available in 1998.