Key Points A 401(k) is a valuable tool for building retirement savings and, for many, their largest investment account. The average 401(k) balance differs greatly from the median balance. The $23,760 Social Security bonus most retirees completely overlook › It is very hard to avoid comparing yourself to others, even though it can be harmful emotionally. And one of the biggest yardsticks in the world is wealth. Which is why it is relevant that the average 65-year-old has roughly $300,000 in their 401(k), according to Vanguard's How America Saves 2025 report. But that number needs some explanation. Some more 401(k) numbers and ages To lay out the full picture, those under 25 have an average of around $7,000 in their 401(k) accounts at Vanguard.
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