Roth IRA Participation Rate (2026)
20%
Percent of US households with a Roth IRA
Summary
About 20% of US households own a Roth IRA in 2026. Among those who own one, the median balance is $35,000 and the mean is $98,000. Higher-income households are far more likely to own one (45% in top income decile, vs 8% in bottom decile). The Roth income limit phase-out caps direct contributions for high earners.
Breakdown
Source
Investment Company Institute (ICI)· 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.