How much should I have saved by 40?
Answer stability
Watching
This topic changes regularly. We're actively monitoring it so you'll know when the answer moves.
Follow this question →The bottom line
Reviewed against multiple sourcesBenchmarks exist but they're rough — your real target depends on your goals and income. Verify with a personalized plan.
Why we believe this
AI models cite savings benchmarks (often multiples of salary) but agree these are rough guides that ignore income, cost of living, debts, and goals. Your actual target depends on your plan, not a universal multiple.
Supporting evidence
A fiduciary planner
For a target based on your plan.
Your own budget and projections
To set realistic goals.
What could change this answer
- Your income, expenses, and goals.
- Your retirement timeline.
- Debts and other obligations.
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FAQs
Are salary-multiple benchmarks reliable?
They're starting points, not personalized targets. Verify against your own plan.
I'm behind the benchmark — what now?
Benchmarks ignore context. Build a plan around your goals rather than a generic number.