In theory, where your retirement savings stand in comparison to those of other investors your age shouldn't matter too much. Continue »With that as the backdrop, here's a look at the average retirement savings for people between the ages of 55 and 64. Meanwhile, in its 2026 "How America Saves" report on last year's retirement savings, Vanguard puts the figure at $305,006. The Fed says the median retirement savings for people between the ages of 55 and 64 living in the United States as of 2022 was a significantly lower $185,000. Vanguard, meanwhile, reports that the median value of the 401(k) accounts under its oversight is only $107,269.