How much do people have saved by 30, or by 40, in the UK?
Written by The Blooom editorial team, published and updated . It takes about 4 minutes to read.
ONS figures put the middle household aged 25 to 34 at £1,300 saved after debts, and 35 to 44 at £5,600. A few months' spending in easy access matters more.
How much does a UK household aged 25 to 34 have saved?
About £1,300 after debts, the middle household in the latest ONS survey. That leaves out pensions and homes.
How much does a UK household aged 35 to 44 have saved?
About £5,600 after debts on the same measure. Across all ages, the middle figure was £10,400.
What is a sensible savings target at any age?
A common guide is a few months of essential spending, held somewhere you can reach it. The emergency fund calculator works it out from your own numbers.
What the ONS figures say
The Office for National Statistics measures what households hold in savings, current accounts, ISAs, shares and other investments, minus debts like cards and loans. It calls this net financial wealth. Here is the middle household for each age of household head, from April 2020 to March 2022.
- 16 to 24: £100
- 25 to 34: £1,300
- 35 to 44: £5,600
- 45 to 54: £7,200
- 55 to 64: £15,600
- 65 to 74: £32,300
- 75 and above: £25,800
Across all households, the middle figure was £10,400.
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Why the number looks low
It is the middle household, not the average, so a few very large balances do not pull it up. It counts debts against savings. And it leaves out the two largest things many people own: their pension and their home.
Add those in and the picture changes. The same survey puts the middle household aged 25 to 34 at £109,800 in total wealth, and aged 35 to 44 at £209,600.
A better question than "am I behind?"
An average tells you about other people. Three questions tell you about you.
- Could you cover a few months of essential spending from easy access savings, without borrowing?
- Do your savings earn more in interest than any debt costs you?
- Is your pension being paid into, and do you know roughly what it holds?
If the answer to all three is yes, you are in a stronger position than the figures above suggest, whatever your age.
Figures checked 3 Oct 2026, from Office for National Statistics, Wealth and Assets Survey, April 2020 to March 2022.
Blooom gives information and eligibility, not regulated advice. Figures are for the tax year named above and the right choice depends on your own circumstances.
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