The typical (median) pot at every age — the fair version, not the inflated “average” that makes everyone feel behind. See where you sit.
A median tells you the middle. It can’t tell you if you’re doing alright. The crowd can.
see the crowd’s verdict →Half of people in each group have more than this, half have less. We use the median deliberately — it is not distorted by a handful of very wealthy savers the way the “average” is.
A table can show you the middle. It cannot tell you whether your pot means you are doing fine or need to act. That judgement is the thing you actually came for. On The Money Verdict, real people anonymously rate whether a pot at your age is sound or a bit silly, so you get an honest read instead of a guess. And if money is tight, StepChange and Citizens Advice offer free, non-judgemental help.
What is the average savings by age? Typical (median) cash savings rise with age: about £2,500 for 18–24s, £5,000 for 25–34s, £10,000 for 35–44s, £18,000 for 45–54s and £25,000 for over-55s. The full table is above.
Why are other “average” figures higher? Because those figures usually quote the mean, which is dragged up by a small number of very wealthy savers. The median — the middle person — is far lower and a fairer comparison.
How much should I have for my age? A 3–6 month emergency fund is the common first target. Beyond that, the median for your age (above) is a realistic benchmark — not the inflated headline averages.
The Money Verdict settles every money question the honest way — anonymously, by people just like you.
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