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Average 401K Balance by Age in 2026. How Do You Compare? How much does the average person actually have saved in their 401K? Using data from Empower, we’re comparing average 401K balances for people in their 20s, 30s, 40s, 50s, and 60s. And some of these numbers might be MUCH higher than you’d expect. Remember, averages can be skewed by people with very large retirement accounts. And your 401K is just one piece of your overall retirement savings. Comment your age and whether your 401K balance is
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