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Retirement Goal Rises to $1.46 M; Most Unprepared

6/21/2026

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Story summary
  • The 2026 Northwestern Mutual survey finds Americans need $1.46 million to retire, up from $1.25 million in 2022.
  • 65-74-year-old households hold about $200,000 in retirement accounts, per the 2022 Survey of Consumer Finances.
  • Only 13% of Gen X saved ten times their income, with 49% feeling prepared for retirement.
  • Nearly 75% of Gen Z saved more than one year of income, beginning at age 22, compared with Gen X’s average start age of 32.