Just under 60 percent of U.S. residents believe they’re building or have built a large enough retirement nest egg—up slightly from 55 percent in 2020.
That’s according to a new report published by the Transamerica Center for Retirement Studies® titled Life and Money: Retirement Security in the USA.
By the numbers: The percentage of Americans who are confident in their ability to have a comfortable retirement remained unchanged at 66 percent, including 22 percent who are very confident and 44 percent who are somewhat confident.
- Among those who are not retired, the percentage saving for retirement increased from 65 percent to 69 percent, and household savings in retirement accounts increased from $44,000 to $56,000 (estimated medians).
- Almost seven in 10 Americans (69 percent) expect Social Security to be a source of retirement income followed by 401(k)s, 403(b)s, and IRAs (56 percent), savings and investments (44 percent), working (27 percent), pension plans (23 percent), home equity (13 percent) and an inheritance (12 percent).
- The percentage of people with no savings in retirement accounts edged down from 15 percent in 2020 to 12 percent in 2025, while those with $1 million or more in household retirement accounts increased from five percent in 2020 to eight percent in 2025.
