Compare your savings to common age-based targets, then project where your current rate actually leads.
A commonly cited benchmark (Fidelity Investments): save 1× your salary by 30, 3× by 40, 6× by 50, 8× by 60, 10× by 67. These are rough guideposts, not personalized targets — your real number depends on lifestyle, other income, and retirement age.
Being "behind" a generic multiplier is common and not alarming on its own — what matters more is your savings RATE and time horizon, which the projection below shows.
| Age | Multiplier | Age | Multiplier |
|---|---|---|---|
| 30 | 1× | 55 | 7× |
| 35 | 2× | 60 | 8× |
| 40 | 3× | 65 | 9× |
| 45 | 4× | 67 | 10× |
| 50 | 6× | — | — |
As published by Fidelity Investments' retirement guidance. These assume retiring at 67, saving 15%/year starting at 25, and a 50/50 stock/bond mix glide path — a generic average path, not a personalized target.
Methodology: Benchmark amount = your salary × the published multiplier interpolated for your exact age. Projection uses future value of current balance + monthly contribution annuity at your assumed return through your retirement age.