Key Takeaways The average IRA balance for Americans in their 50s ranges from about $120,000 to$245,000, but many people have far less. Median balances tell a clearer story than averages because a few people with massive accounts skew the numbers upward. Fidelity's latest analysis of 18.3 million individual retirement accounts (IRAs) shows the average balance hit a record of $137,902 in the third quarter of 2025. For Gen X savers (ages 45 to 60), that figure sits at$120,273, an average that's inf ...