Savings Rate Target by Age Calculator 2027

Calculate your target savings rate by age — 15-25% from 30s, 20-30% from 40s, 35%+ from 50s. Compare against Fidelity benchmarks for 2027 retirement.

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Fidelity 'Multiple of Income' Benchmarks

Fidelity's rule: 1x income by 30, 3x by 40, 6x by 50, 8x by 60, 10x by 67. Based on 67 retirement, replacement of 80% pre-retirement income, sustainable 4% withdrawal.

Savings Rate by Decade

20s: 10-15% (foundation). 30s: 15-25% (peak earning + family). 40s: 20-30% (catchup if behind). 50s: 30-40% (catch-up contributions). 60s: 35%+ if retiring at 65.

What Counts in Savings Rate

Numerator: 401k (incl. match), Roth IRA, HSA (for retirement), taxable brokerage, mortgage principal paydown. Denominator: gross income. Don't count emergency fund OR vacation sinking.

Increasing Rate Strategies

Automate raises into 401k (Save More Tomorrow). HSA = best triple-tax-advantaged account. Backdoor Roth for high earners. Mega Backdoor Roth if 401k allows after-tax + in-plan conversion.

Source: fidelity.com retirement readiness guide, t.rowe price benchmarks. Last updated: May 2026.