Retirement savings targets by age

Use age-based savings targets as a rough checkpoint without turning them into rigid rules.

Age-based targets are most useful as checkpoints, not verdicts. They help you see whether your direction is broadly healthy.

Use this guide to understand the tradeoffs quickly, then open one of the related models below if you want to turn the idea into a planning scenario.

Why benchmarks can help

Benchmarks offer a simple way to sense whether your savings pace is broadly aligned with your goals.

They can be motivating when used as prompts for adjustment rather than judgment.

Income, housing costs, pensions, and retirement goals vary widely. A target that is useful for one household may be irrelevant for another.

That is why personalized spending-based planning is still the better destination.

Treat age-based targets as signposts. The real plan should still be built around your expected spending and flexibility.

Retirement Planning3 min

Measure how much additional savings you may need by retirement.

Projected balance

$2,094,413

Retirement Planning3 min

Project your nest egg, funding gap, and retirement readiness with real-time portfolio growth.

Projected balance

$1,702,233

7 min

A practical approach to estimating your retirement number without overcomplicating the first pass.

6 min

Avoid the most common assumptions that weaken retirement plans before they are stress tested.