How much should I have saved by 40?
Quick Answer
Fidelity's benchmark: 3× your annual salary in retirement accounts by age 40. For an $80,000 earner, that's $240,000 in retirement plus a 3–6 month emergency fund and any other goal-specific savings.
Warren Team
Updated November 19, 2025
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Warren Team
Updated November 19, 2025
33
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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