Data • By Topic • Economy

Wealth & Savings

How are Americans building wealth and saving for retirement? Dive in to understand how people do (or don't) bank, historical trends on household wealth, how businesses offer retirement plans and more. The data here comes from government entities such as the Federal Deposit Insurance Corporation, the Federal Reserve, and the Census Bureau.

Wealth Profile

Average family net worth

Average family net worth

Average family net worth

$748,800

2019

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Family assets to debt ratio

Family assets to debt ratio

Family assets to debt ratio

8.27

2016

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Family debt payments to income ratio

Family debt payments to income ratio

Family debt payments to income ratio

10.8

2016

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Household Wealth

Average household net worth

Average household net worth

Average household net worth

$1.15 million

2021

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Aggregate household net worth

Aggregate household net worth

Aggregate household net worth

$142.19 million

2021

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Retirement Savings

Percent of workers with access to retirement benefits

Percent of workers with access to retirement benefits

Percent of workers with access to retirement benefits

71%

2018

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Businesses offering 401(k) plans

Businesses offering 401(k) plans

Businesses offering 401(k) plans

571,841

2017

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401(k) active participants

401(k) active participants

401(k) active participants

70.34 million

2018

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401(k) total contributions

401(k) total contributions

401(k) total contributions

$464.58 billion

2018

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401(k) total benefits

401(k) total benefits

401(k) total benefits

$473.79 billion

2018

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Aggregate rate of return of all 401(k) plans

Aggregate rate of return of all 401(k) plans

Aggregate rate of return of all 401(k) plans

20.12%

2019

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Personal Finance

Unbanked and underbanked households

Unbanked and underbanked households

Unbanked and underbanked households

32.58 million

2017

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Percent of households that used an alternative financial service (AFS) in the past year

Percent of households that used an alternative financial service (AFS) in the past year

Percent of households that used an alternative financial service (AFS) in the past year

22.1%

2017

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