Retirement by age
Retirement savings benchmarks by age
Use common age-based milestones as a planning reference, then test your own numbers in the calculator.
Age 30
Retirement benchmark: 1x salary
Most planning frameworks use around 1x salary saved by age 30 as an early milestone.
Read age-30 benchmark
Age 35
Retirement benchmark: 2x salary
By 35, many benchmark frameworks target roughly 2x salary saved for retirement.
Read age-35 benchmark
Age 40
Retirement benchmark: 3x salary
Age 40 benchmarks commonly reference around 3x salary saved for retirement.
Read age-40 benchmark
Age 45
Retirement benchmark: 4x salary
A common age-45 checkpoint is around 4x salary saved, depending on retirement age and spending goals.
Read age-45 benchmark
Age 50
Retirement benchmark: 6x salary
Age 50 planning frameworks commonly reference around 6x salary saved.
Read age-50 benchmark
Age 55
Retirement benchmark: 7x salary
Around age 55, many benchmark paths land near 7x salary as a checkpoint before age-60 readiness.
Read age-55 benchmark
Age 60
Retirement benchmark: 8x-10x salary
By age 60, many widely cited benchmark ranges are around 8x to 10x salary saved.
Read age-60 benchmark
Ready to test your own numbers?
Benchmarks are directional. Your retirement plan should be based on your salary, contribution rate, employer match, return assumptions, and timeline.
Run your own retirement projection →