How much savings should I have by 30?

BankingWarren TeamPublished April 25, 2026

Quick answer

Fidelity's benchmark: 1× your annual salary saved for retirement by age 30, plus 3–6 months of expenses in an emergency fund. So a $60K earner should aim for ~$60K retirement plus $15–30K emergency fund.

Savings benchmarks at age 30 across categories.

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