Your details
Savings trajectory
All three scenarios compared
Are you on track? Fidelity benchmark comparison
Fidelity recommends having these multiples of your salary saved at each age milestone.
| Age | Target (× salary) | Target ($) | You (projected) | Status |
|---|---|---|---|---|
| Age 35 | 1× | $110,000 | $85,000 | ⚠ Behind |
| Age 40 | 2× | $220,000 | $227,887 | ✓ On track |
| Age 45 | 3× | $330,000 | $430,448 | ✓ On track |
| Age 50 | 4× | $440,000 | $717,604 | ✓ On track |
| Age 55 | 5× | $550,000 | $1,124,683 | ✓ On track |
| Age 60 | 6× | $660,000 | $1,701,768 | ✓ On track |
| Age 65 | 7× | $770,000 | $2,519,859 | ✓ On track |
How we calculated your number
How much do you need to retire? The complete guide for 2026
The most common retirement question is deceptively simple: "How much do I need?" The equally simple answer — "it depends" — is frustrating but true. What it depends on, and how to calculate your personal number, is exactly what this guide explains.
The 4% rule — your starting framework
The most widely-used retirement formula is the 4% rule, developed by William Bengen in 1994 and validated by the Trinity Study. The rule states: if you withdraw 4% of your portfolio in year one, then adjust for inflation each subsequent year, your portfolio has historically lasted 30+ years in nearly all market conditions.
Your magic number = Desired annual retirement income ÷ 0.04
If you want $80,000/year in retirement income and Social Security covers $30,000, you need $50,000 from your portfolio. Divide by 0.04: you need a $1.25 million nest egg. Simple — but this framework needs important adjustments for your specific situation.
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Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →