Retirement Savings at Age 49 Earning $30,000/Year
How much you should have saved, your projected retirement nest egg, and monthly income estimates using the 4% withdrawal rule.
Projected Savings by Contribution Rate
| Saving Rate | Monthly | At Age 67 | Monthly Income* |
|---|---|---|---|
| 10% | $250 | $78,898 | $263/mo |
| 15% | $375 | $118,347 | $394/mo |
| 20% | $500 | $157,796 | $526/mo |
| 25% | $625 | $197,245 | $657/mo |
* Monthly income based on 4% withdrawal rule. Assumes 4% real return (7% nominal − 3% inflation). Starting from $0 today.
Savings Milestones (at 15% savings rate)
Retirement Planning at Age 49
At 49, you should have roughly 6× your salary ($180,000) saved for retirement. If you're behind, consider maximizing catch-up contributions to 401(k)s ($7,500 extra/year for those 50+) and IRAs ($1,000 extra/year). You still have 18 years of growth ahead.
Use our FIRE calculator for early retirement scenarios, or check our net worth benchmarks at age 49.
Retirement at Age 49 — Other Income Levels
Retirement Savings by Age
Related Data for Age 49 Earning $30,000
Explore every angle of your financial picture at $30,000 — take-home pay, affordability, investment growth, and emergency fund targets.
Emergency fund target for $30,000
3, 6, 9, and 12-month targets at your income level.
DTI ratio on $30,000 with $2K/mo debt
See how monthly debt obligations affect your borrowing power.
Net worth benchmarks at age 49
Where you stand vs median and average for your age.
$2,500 invested over 15 years
Growth projections across savings, bonds, and stocks.