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.

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.

Frequently Asked Questions

Does company match count?

Yes. If you save 6% and company matches 6%, your savings rate is 12% of income. Always capture full match first — instant 50-100% return.

Should I count house equity?

For benchmark multiples, no. House isn't liquid retirement. For total net worth tracking, yes. Treat home as separate from retirement portfolio.

What if I'm 50 and only 1x?

Catch-up contributions ($7.5k extra 401k, $1k extra IRA over 50). Push retirement to 70 (Social Security boosts 32%). Downsize home. Aggressive 35%+ savings rate.