Finance

Figuring out how much you should have saved for retirement by 30 is one of the most common financial questions in your twenties, and the honest answer is: it depends on your income, lifestyle, and target retirement age. A widely cited rule of thumb from Fidelity suggests having roughly 1x your annual salary saved by age 30. So if you earn $65,000 per year, that benchmark works out to about $65,000 in retirement accounts (401(k), IRA, Roth IRA combined). This calculator turns that rule into a personalized projection using your real numbers.