How much should I have saved by 40?
Common benchmark: 3× annual salary by 40. So $100K salary → $300K saved. This puts you on track for a comfortable retirement at 65 with 8-10× salary. If you're behind, the years 40-55 are still high-leverage — increasing savings rate to 20%+ now meaningfully closes the gap.
More context
Common benchmark: 3× annual salary by 40. So $100K salary → $300K saved. This puts you on track for a comfortable retirement at 65 with 8-10× salary. If you're behind, the years 40-55 are still high-leverage — increasing savings rate to 20%+ now meaningfully closes the gap. The exact answer depends on your specific situation — the numbers above are a strong starting point, but the right next step is to plug in your actual figures.
For a deeper analysis, use one of the related tools below — they take your specific income, debt, location, and goals as inputs and produce a tailored answer.