Average Retail Trader Account Size | Lambda Finance
The average retail trader account size in the United States reached about 25,000 dollars in 2025. This report shows exactly where that figure comes from, how it breaks down across different groups, and what the patterns mean for everyday investors.
The Lambda Finance team compiled data from BrokerChooser’s 2025 brokerage account size study, Gitnux Retail Investors Statistics released in early 2026, Charles Schwab Modern Wealth Survey, and supporting FINRA and broker filings through December 2025. We focused on taxable brokerage accounts and self-directed retirement windows used by retail traders. You will see the overall average, differences by broker type, breakdowns by age and income, plus median versus mean figures. These benchmarks help new and experienced traders understand where their own accounts sit and what realistic growth looks like.
Average Retail Trader Account Size by Year
| Year | Average Account Size ($) |
|---|---|
| 2023 | 19,800 |
| 2024 | 22,400 |
| 2025 | 25,000 |
The average has grown steadily as more people added money through consistent contributions and market gains.
The numbers matter because even small increases add up across 165 million stock traders. The jump from 2023 to 2025 lines up with strong market returns and automatic investing features on most apps. If your account sits below the 2025 figure, the data suggests regular deposits of just 200 dollars a month can close the gap in a couple of years.
Average Account Size by Major Broker, 2025
| Broker | Average Account Size ($) |
|---|---|
| Robinhood | 4,500 |
| Webull | 6,200 |
| Charles Schwab | 118,000 |
| Fidelity | 248,000 |
| Overall Average | 25,000 |
Smaller app-based brokers pull the overall average down while traditional firms show much larger balances.
What stands out is the 50 times difference between the smallest and largest. Robinhood users tend to start small and stay smaller, while Fidelity clients often move larger retirement or taxable money. The overall 25,000 dollar figure reflects the heavy weight of newer, younger accounts. If you trade on one of the low-balance platforms, the data shows many users gradually shift larger sums as they gain confidence.
Average Retail Trader Account Size by Age Group, 2025
| Age Group | Average Account Size ($) |
|---|---|
| Under 35 | 8,900 |
| 35 to 54 | 32,600 |
| 55 and older | 68,400 |
Younger traders hold the smallest accounts while older groups have built up much larger balances over time.
The spread matters because it shows how compounding and steady saving work in practice. Under-35 accounts grew quickly in raw numbers during the app boom but still sit well below older groups. Mid-career traders sit right around the national average. The pattern holds across most surveys and points to the value of starting early even with modest amounts.
Average Account Size by Household Income, 2025
| Income Level | Average Account Size ($) |
|---|---|
| Under $50,000 | 7,200 |
| $50,000 – $99,999 | 18,500 |
| $100,000 and above | 72,300 |
Higher earners hold roughly ten times more than the lowest bracket.
These differences matter because income sets how much people can add each month after bills. The gap has stayed wide for years, yet the middle group shows solid growth from automatic payroll contributions. If your income falls in the middle range, the numbers suggest you already sit close to the national average and small increases can push you well ahead.
Related Resources
For the total number of people behind these accounts see our report on Number of Stock Traders in USA. Teams tracking lawmaker activity may want What Stocks Does Congress Own or Nancy Pelosi Rate of Return. Those looking at everyday performance can review Average Retail Investor Returns or ROI Options Trading. For a high-profile comparison of portfolio values, see our Nancy Pelosi Portfolio Size.
In summary, the average retail trader account size reached 25,000 dollars in 2025, up from 19,800 dollars two years earlier. App-based brokers sit far below the average while traditional firms show much larger balances. Younger and lower-income traders hold smaller accounts, but steady growth appears across every group. The figures highlight how regular contributions and time turn modest starts into meaningful wealth for most people.
If you want a custom look at how your account compares or help building a plan to reach the next level, the team at Lambda Finance is ready. The data is already compiled and waiting.