Replacement Rates by Cohort and Household Type

Late Baby Boomers and Gen-Xers do not have adequate resources for retirement and facing possible downward mobility.

Source: Panel Study of Income Dynamics

Note: The replacement rate calculations project how much wealth individuals and families may have upon retirement at age 65 given current income levels and wealth accumulation. A replacement rate of 100 percent means that an individual or family would have exactly the same money in retirement that they had preretirement, a value below 100 percent means less, and a value above 100 precent means they would have more. There is debate about what an ideal replacement rate would be, but financial planners suggest that individuals should ideally be able to replace 70 to 100 percent of their annual income.

America’s Overdose Crisis
America’s Overdose Crisis

America’s Overdose Crisis

Sign up for our five-email course explaining the overdose crisis in America, the state of treatment access, and ways to improve care

Sign up
Quick View

America’s Overdose Crisis

Sign up for our five-email course explaining the overdose crisis in America, the state of treatment access, and ways to improve care

Sign up
Composite image of modern city network communication concept

Learn the Basics of Broadband from Our Limited Series

Sign up for our four-week email course on Broadband Basics

Quick View

How does broadband internet reach our homes, phones, and tablets? What kind of infrastructure connects us all together? What are the major barriers to broadband access for American communities?

Pills illustration
Pills illustration

What Is Antibiotic Resistance—and How Can We Fight It?

Sign up for our four-week email series The Race Against Resistance.

Quick View

Antibiotic-resistant bacteria, also known as “superbugs,” are a major threat to modern medicine. But how does resistance work, and what can we do to slow the spread? Read personal stories, expert accounts, and more for the answers to those questions in our four-week email series: Slowing Superbugs.