How Much Men vs. Women Need To Save for a Comfortable Retirement in Every State

Women, on average, live six years longer than men, which means six extra years of paying for life in retirement. Compounding the challenge of saving enough is the fact that women earn just 84% of what men earn on average and are more likely than men to take time off work for caregiving responsibilities.

While women need to save more than men for a comfortable retirement in every state, the cost of living, gender wage gap and life expectancy all vary from state to state, so the difference in the savings the average woman needs compared to the average man also varies.

To find how much men and women need to save for a comfortable retirement in every state, NetCredit analyzed the average life expectancy by gender in every state to estimate the average length of retirement locally, and found the cost of living in each state plus a 20% buffer for a “comfortable” retirement.

Based on this analysis, here’s a look at how much men and women need to save for a comfortable retirement in every state.

• Savings needed for men to retire comfortably: $306,789 
• Savings needed for women to retire comfortably: $623,636 
• Extra money women need to save: $316,847

• Savings needed for men to retire comfortably: $597,915
• Savings needed for women to retire comfortably: $882,360  
• Extra money women need to save: $284,445

• Savings needed for men to retire comfortably: $549,077  
• Savings needed for women to retire comfortably: $905,392  
• Extra money women need to save: $356,316

• Savings needed for men to retire comfortably: $338,448 
• Savings needed for women to retire comfortably: $600,627  
• Extra money women need to save: $262,178

• Savings needed for men to retire comfortably: $831,918  
• Savings needed for women to retire comfortably: $1,227,420
• Extra money women need to save: $395,502

• Savings needed for men to retire comfortably: $731,279  
• Savings needed for women to retire comfortably: $1,047,340 
• Extra money women need to save: $316,061

• Savings needed for men to retire comfortably: $698,700
• Savings needed for women to retire comfortably: $1,042,027  
• Extra money women need to save: $343,327

• Savings needed for men to retire comfortably: $559,120
• Savings needed for women to retire comfortably: $875,390  
• Extra money women need to save: $316,270

• Savings needed for men to retire comfortably: $593,324  
• Savings needed for women to retire comfortably: $923,571  
• Extra money women need to save: $330,247

• Savings needed for men to retire comfortably: $511,611 
• Savings needed for women to retire comfortably: $831,368 
• Extra money women need to save: $319,757

• Savings needed for men to retire comfortably: $927,645
• Savings needed for women to retire comfortably: $1,350,542  
• Extra money women need to save: $422,897

• Savings needed for men to retire comfortably: $644,194  
• Savings needed for women to retire comfortably: $894,419  
• Extra money women need to save: $250,224

• Savings needed for men to retire comfortably: $559,294 
• Savings needed for women to retire comfortably: $901,719  
• Extra money women need to save: $342,425

• Savings needed for men to retire comfortably: $423,400  
• Savings needed for women to retire comfortably: $709,067 
• Extra money women need to save: $285,667

• Savings needed for men to retire comfortably: $545,148  
• Savings needed for women to retire comfortably: $805,219  
• Extra money women need to save: $260,071

• Savings needed for men to retire comfortably: $497,883  
• Savings needed for women to retire comfortably: $772,227  
• Extra money women need to save: $274,344

• Savings needed for men to retire comfortably: $319,612 
• Savings needed for women to retire comfortably: $605,325  
• Extra money women need to save: $285,713

• Savings needed for men to retire comfortably: $291,930  
• Savings needed for women to retire comfortably: $613,547  
• Extra money women need to save: $321,617

• Savings needed for men to retire comfortably: $599,640  
• Savings needed for women to retire comfortably: $918,714  
• Extra money women need to save: $319,074

• Savings needed for men to retire comfortably: $605,170  
• Savings needed for women to retire comfortably: $969,506  
• Extra money women need to save: $364,337

• Savings needed for men to retire comfortably: $863,174  
• Savings needed for women to retire comfortably: $1,218,189  
• Extra money women need to save: $355,015

• Savings needed for men to retire comfortably: $475,869  
• Savings needed for women to retire comfortably: $749,241  
• Extra money women need to save: $273,372

• Savings needed for men to retire comfortably: $685,455
• Savings needed for women to retire comfortably: $931,791  
• Extra money women need to save: $246,336

• Savings needed for men to retire comfortably: $228,313  
• Savings needed for women to retire comfortably: $555,892  
• Extra money women need to save: $327,579

• Savings needed for men to retire comfortably: $408,473  
• Savings needed for women to retire comfortably: $711,046  
• Extra money women need to save: $302,573

• Savings needed for men to retire comfortably: $518,658  
• Savings needed for women to retire comfortably: $793,241  
• Extra money women need to save: $274,584

• Savings needed for men to retire comfortably: $562,451  
• Savings needed for women to retire comfortably: $818,566 
• Extra money women need to save: $256,116

• Savings needed for men to retire comfortably: $532,688  
• Savings needed for women to retire comfortably: $852,300  
• Extra money women need to save: $319,613

• Savings needed for men to retire comfortably: $735,675
• Savings needed for women to retire comfortably: $1,029,945  
• Extra money women need to save: $294,270

• Savings needed for men to retire comfortably: $655,131  
• Savings needed for women to retire comfortably: $1,019,779  
• Extra money women need to save: $364,648

• Savings needed for men to retire comfortably: $366,229  
• Savings needed for women to retire comfortably: $692,324  
• Extra money women need to save: $326,095

• Savings needed for men to retire comfortably: $724,179  
• Savings needed for women to retire comfortably: $1,119,795  
• Extra money women need to save: $395,616

• Savings needed for men to retire comfortably: $500,504  
• Savings needed for women to retire comfortably: $807,264  
• Extra money women need to save: $306,760

• Savings needed for men to retire comfortably: $492,807  
• Savings needed for women to retire comfortably: $773,030  
• Extra money women need to save: $280,224

• Savings needed for men to retire comfortably: $411,662
• Savings needed for women to retire comfortably: $682,874 
• Extra money women need to save: $271,212

• Savings needed for men to retire comfortably: $361,899  
• Savings needed for women to retire comfortably: $622,466  
• Extra money women need to save: $260,567

• Savings needed for men to retire comfortably: $746,162 
• Savings needed for women to retire comfortably: $1,049,480  
• Extra money women need to save: $303,318

• Savings needed for men to retire comfortably: $547,932  
• Savings needed for women to retire comfortably: $854,774  
• Extra money women need to save: $306,842

• Savings needed for men to retire comfortably: $695,768  
• Savings needed for women to retire comfortably: $1,022,477  
• Extra money women need to save: $326,709

• Savings needed for men to retire comfortably: $407,964  
• Savings needed for women to retire comfortably: $741,754  
• Extra money women need to save: $333,789

• Savings needed for men to retire comfortably: $498,388  
• Savings needed for women to retire comfortably: $752,469  
• Extra money women need to save: $254,080

• Savings needed for men to retire comfortably: $347,296  
• Savings needed for women to retire comfortably: $673,858 
• Extra money women need to save: $326,562

• Savings needed for men to retire comfortably: $506,433  
• Savings needed for women to retire comfortably: $798,807  
• Extra money women need to save: $292,374

• Savings needed for men to retire comfortably: $713,994
• Savings needed for women to retire comfortably: $933,252  
• Extra money women need to save: $219,258

• Savings needed for men to retire comfortably: $695,392  
• Savings needed for women to retire comfortably: $999,985  
• Extra money women need to save: $304,593

• Savings needed for men to retire comfortably: $665,640  
• Savings needed for women to retire comfortably: $965,478  
• Extra money women need to save: $299,838

• Savings needed for men to retire comfortably: $824,186  
• Savings needed for women to retire comfortably: $1,124,471  
• Extra money women need to save: $300,285

• Savings needed for men to retire comfortably: $274,127 
• Savings needed for women to retire comfortably: $571,885  
• Extra money women need to save: $297,758

• Savings needed for men to retire comfortably: $565,313  
• Savings needed for women to retire comfortably: $822,733  
• Extra money women need to save: $257,419

• Savings needed for men to retire comfortably: $525,876 
• Savings needed for women to retire comfortably: $783,555  
• Extra money women need to save: $257,679

Editor’s note: Data was sourced from NetCredit and is accurate as of Nov. 11, 2024.