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● TRACKER Updated 11d ago · 9 sources tracked

How much money Americans in their 30s and 40s have in their 401(k)s—see how you stack up

Retirement account balances reached record highs in the second quarter of 2026, according to Fidelity. This growth was driven by record savings rates and a sturdy stock market. Fidelity reports that 769,000 savers now hold $1 million or more in their 401(k) accounts. The surge in balances extends across 401(k), 403(b), and IRA accounts, reflecting a broader trend of increased retirement wealth among American savers.

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  • ✓ Fidelity 401(k) balances hit a record high in the second quarter of 2026.
  • ✓ Record savings rates contributed to new highs for 401(k), 403(b), and IRA balances.
  • ✓ A sturdy stock market increased the number of 401(k) millionaires.
🛡️ Source Corroboration: 9 independent reporting domains (90% confidence) ⏱ Read time: ~2 min

What changed

Fidelity released Q2 2026 retirement analysis showing record account balances and 769,000 millionaires.

Live updates

  1. Fidelity reports record 401(k) balances and millionaire growth in Q2 2026

    Retirement account balances reached record highs in the second quarter of 2026, according to Fidelity. This growth was driven by record savings rates and a sturdy stock market. Fidelity reports that 769,000 savers now hold $1 million or more in their 401(k) accounts. The surge in balances extends across 401(k), 403(b), and IRA accounts, reflecting a broader trend of increased retirement wealth among American savers.

    Why it matters

    Market performance and increased contribution rates directly impact the solvency of retirees. Tracking these balances helps savers benchmark their progress against national averages. These record highs occur amidst a growing population of 401(k) millionaires.

    What is confirmed

    • Fidelity 401(k) balances hit a record high in the second quarter of 2026.
    • Record savings rates contributed to new highs for 401(k), 403(b), and IRA balances.
    • A sturdy stock market increased the number of 401(k) millionaires.

    Still unconfirmed

    • 769,000 savers have $1 million or more in their 401(k).

    What to watch next

    • Fidelity Q3 2026 retirement analysis results.
    • Changes in stock market volatility affecting 401(k) millionaire counts.
    Sources used for this update (9)
    1. CNBC — How much money Americans in their 30s and 40s have in their 401(k)s—see how you stack up
    2. Fidelity Newsroom — Fidelity® Q2 2026 Retirement Analysis: Record Savings Rates Help Drive 401(k), 403(b) and IRA Balances to New Highs
    3. freep.com — Why 401(k) savers got a boost, saw record balances in second quarter
    4. Bloomberg.com — America’s Population of 401(k) Millionaires Keeps Growing, Buoyed by Markets
    5. planadviser — DC Account Balances Reach Record Highs in Q2
    6. qz.com — Fidelity 401(k) balances hit record high in Q2 2026
    7. CBS News — Sturdy stock market mints a record number of 401(k) millionaires
    8. Yahoo Finance — Fidelity: 769,000 savers have $1 million or more in their 401(k)
    9. Fast Company — Your 401(k) may be at a record high. Think twice before making this money move
    confidence 90%
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