How much should I have saved by age 30 in the UK?

ONS data suggests median financial wealth for adults aged 25–34 is around £5,000–£8,000, though this varies significantly by income and region. Many financial planners suggest aiming for 1× your annual salary in total savings and pension by age 30, though this is aspirational rather than typical. The most important step at 30 is having a 3–6 month emergency fund in place and contributing to a pension.

What is the average net worth by age in the UK?

UK net worth rises sharply with age as property equity and pension wealth build up. Median total wealth (including property and pensions) for those aged 35–44 is roughly £170,000–£230,000, for 45–54 it's around £290,000–£390,000, and for 55–64 it's around £450,000+. Financial savings (excluding property and pensions) are much lower at every age — median liquid savings for most age groups are under £10,000.

Is £20,000 in savings good?

£20,000 in savings is above average for most age groups in the UK. As a lump sum it represents a solid emergency fund (6–12 months for many people), a house deposit contribution, or a meaningful investment start. Whether it is 'good' depends on your age, income, and goals — at 25 it's excellent; at 55 as your entire savings it may not be enough for retirement.

Savings by Age UK — How Much Should I Have Saved?

UK benchmarks for savings and net worth by age: how much should you have saved at 25, 30, 35, 40, 50 and 60? ONS and FCA data on what Britons actually have.

How do your savings compare to others your age? ONS and FCA data reveal what UK adults actually have saved — and financial planning benchmarks give you something to aim for.

Savings and Net Worth Benchmarks by Age

Average Savings by Age UK 2026 — What Britons actually have saved
Average Net Worth by Age UK — Total wealth including property and pensions

Guides & Articles

How Much Savings Should I Have at 45 UK? — Benchmarks & Catch-Up Guide

How Much Savings Should I Have at 50 UK? — Benchmarks & Catch-Up Guide

How Much Savings Should I Have at 55 UK? — Benchmarks & Final Push Guide

How Much Savings Should I Have at 60 UK? — Benchmarks & Retirement Guide

Is £10,000 Savings Good UK? — How You Compare by Age

Is £100,000 Savings Good UK? — How You Compare and Whether It Is Enough

Is £30,000 Savings Good UK? — How You Compare by Age

Is £50,000 Savings Good UK? — How You Compare and What to Do Next

Average Net Worth at 25 UK 2026 — What Does Your Age Group Have?

Average Net Worth at 30 UK 2026 — What Does Your Age Group Have?

Average Net Worth at 35 UK 2026 — What Does Your Age Group Have?

Average Net Worth at 40 UK 2026 — What Does Your Age Group Have?

Average Net Worth at 45 UK 2026 — What Does Your Age Group Have?

Average Net Worth at 50 UK 2026 — What Does Your Age Group Have?

Average Net Worth at 55 UK 2026 — What Does Your Age Group Have?

Average Net Worth at 60 UK 2026 — What Does Your Age Group Have?

Average Net Worth by Age UK 2026 — Complete Wealth Benchmarks

Average Savings by Age UK 2026 — Statistics & Benchmarks

How Much Savings Should I Have at 25 UK? — Benchmarks & Action Plan

How Much Savings Should I Have at 30 UK? — Benchmarks & Reality Check

How Much Savings Should I Have at 35 UK? — Benchmarks & Strategies

How Much Savings Should I Have at 40 UK? — Benchmarks & Catch-Up Guide

Is £10k Emergency Fund Enough UK? — Complete Guide

Is £20k Savings Good for My Age UK? — Benchmarks by Age