Download the JP Morgan Retirement Spending Study Overview

Inside, you’ll find the latest insights from JP Morgan’s analysis of millions of  U.S. households, uncovering surprising patterns in how retirees actually spend — and what it means for your financial plan.

✅ What You’ll Get:

• A clear breakdown of the three retirement spending surprises:

  • The Spending Curve — how overall spending peaks at midlife and declines with age, but shifts across categories (like healthcare rising while housing and entertainment drop).

  • The Spending Surge — why partially retired households with incomes under $150,000 tend to spend more immediately after retirement, and how it impacts long-term readiness.

  • Spending Volatility — why 6 in 10 households experience major swings (20%+ up or down) in their first years of retirement.

This study is one of the most comprehensive looks at retirement spending behavior available today — and it may reshape how you think about your own retirement plan.