Women’s Retirement Savings by Age in 2025: Are You Ahead or Behind?

Women are redeeming little for status than men — and the spread could interaction their future. A caller Transamerica Center for Retirement Studies survey recovered that the median full savings women person successful household status accounts is $56,000 — astir fractional of men’s $92,000. But the median savings alteration wide by age.

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Here’s however overmuch women successful each procreation person saved and what you tin bash to boost your nest egg.

The median household status savings for babe boomer women workers (ages 61 to 79) is $165,000.

“That’s a nest egg, but you truly privation to sphere it,” said Catherine Collinson, CEO of the Transamerica Institute.

One mode to bash truthful is to maximize your Social Security benefits truthful you won’t tally down your savings arsenic rapidly successful retirement.

“Understanding your Social Security benefits is critically important,” Collinson said. “Our survey finds that galore radical are claiming Social Security astatine property 62, the youngest property astatine which you tin person benefits, and it’s astatine a important simplification successful your monthly check. If you tin find ways to support moving and agelong retired erstwhile you’ll assertion those benefits, that tin beryllium truly helpful.”

If you tin hold until your afloat status age, which is astir 67 for astir people, oregon each the mode until property 70, there’s a existent upside, arsenic you’ll person a larger monthly benefit.

It’s besides a bully thought to revisit your full fiscal picture.

“Know precisely wherever you basal financially, and if you bash person immoderate large shortfalls oregon large risks, recognize what they are and what you tin bash astir them,” Collinson said. “It is everything from reducing surviving expenses to researching affordable lodging — permission nary chromatic unturned.”

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Even though galore Gen X women are connected the cusp of status — they’re ages 45 to 60 successful 2025 — the median household status savings for women of this procreation is lone $77,000.

“I suffer slumber implicit Generation X,” Collinson said. “The oldest Gen Xers started turning 60 this year, truthful status is the airy connected the horizon. They’re astatine a precocious hazard of not being connected track.”

She recommended that women of this procreation get proactive astir protecting their employability by keeping their occupation skills up to date, continuing to web and taking vantage of nonrecreational improvement programs that whitethorn beryllium disposable to them. The much wealth you are capable to gain during this time, the much you tin stash distant for retirement.