Home / FIRE by age / How much should I have saved by 30, 40, 50 and 60?
FIRE by ageHow much should I have saved by 30, 40, 50 and 60?
Fidelity's guideline is to save 1x your salary by 30, 3x by 40, 6x by 50, 8x by 60 and 10x by 67. On a $70,000 salary that means $70,000 at 30 and $420,000 at 50. In the Federal Reserve's 2025 survey, families headed by someone 45 to 54 with a retirement account had a median of $133,000.
Fidelity's savings factors
| Age | Multiple of salary | On $50,000 | On $70,000 | On $100,000 |
|---|---|---|---|---|
| 30 | 1x | $50,000 | $70,000 | $100,000 |
| 40 | 3x | $150,000 | $210,000 | $300,000 |
| 50 | 6x | $300,000 | $420,000 | $600,000 |
| 60 | 8x | $400,000 | $560,000 | $800,000 |
| 67 | 10x | $500,000 | $700,000 | $1,000,000 |
Fidelity's assumptions: saving 15% of income every year from 25, including any employer match, more than half in stocks on average, retirement at 67 and keeping your pre-retirement lifestyle.
What families actually have
Retirement account balances in 2025, for families with an account, by age of the family head:
| Age of family head | Median | 75th percentile |
|---|---|---|
| Under 35 | $21,000 | $55,000 |
| 35 to 44 | $61,000 | $219,000 |
| 45 to 54 | $133,000 | $414,000 |
| 55 to 64 | $239,000 | $708,953 |
| 65 to 74 | $257,000 | $837,000 |
Our calculation from the Federal Reserve's Survey of Consumer Finances; IRAs, Keoghs and account-type workplace plans. Average retirement savings by age has the full table.
A target from your spending instead
Multiples of salary are a shortcut. A target from spending answers the question directly: to retire at 67 with $50,000 of spending and $24,000 of Social Security, savings must pay $26,000 a year, which at Morningstar's 30-year rate of 3.9% is $666,667. The coast FIRE calculator shows what you need today to get there with growth alone.
These figures are illustrations worked out from stated assumptions, not forecasts. Real returns vary from year to year, and taxes, fees and the order of good and bad years change the outcome. See the disclaimer.
Questions people ask
How much should I have saved by 30?
Fidelity suggests about 1x your salary, so $60,000 on $60,000 a year. Among families headed by someone under 35 that have a retirement account, the median balance was $21,000 in 2025.
How much should I have saved by 40?
About 3x your salary under Fidelity's guideline: $210,000 on $70,000. Families headed by someone 35 to 44 with an account had a median of $61,000.
How much should I have saved by 50?
About 6x your salary: $480,000 on $80,000. The median for families 45 to 54 with an account was $133,000.
How much should I have saved by 35?
Fidelity's guideline puts it about halfway between 1x at 30 and 3x at 40, roughly 2x your salary.
Related
The net worth by age calculator compares your whole net worth, and the FIRE calculator turns spending into a target.
Sources
- Fidelity Investments, "How much do I need to retire?", Fidelity Viewpoints (savings factors by age).
- Amy C. Arnott, "How Much Can You Safely Withdraw If You Retire Early?", Morningstar, September 15, 2026 (data as of September 30, 2025).
- Our calculation from the Federal Reserve's Survey of Consumer Finances 2025, released October 9, 2026 (public data; figures in 2025 dollars). Retirement accounts are the survey's IRAs, Keoghs and account-type workplace plans such as 401(k)s.
Keep reading
- Coast FIRE: how much you need by age
What coast FIRE means and the amount you need at 25, 30, 35, 40 and 45.
- Net worth by age in 2025: what the Fed's new survey shows
Median and average net worth by age from the Federal Reserve's 2025 survey, and what changed since 2022.
- How much do you need to retire at 40?
The portfolio you need by spending level for a 50-year retirement, what it takes to save it and how to bridge to 59½.
- How much do I need to retire?
Spending minus other income, divided by a withdrawal rate that fits the length of your retirement, with a table by spending.
- The 4% rule explained
Where the 4% rule comes from, how long a portfolio lasts at each rate and what the rule leaves out.
Last reviewed by Asier Fernández, editor, on . Educational information only, not financial advice. How we calculate