How much should I have saved by 40?

RetirementWarren TeamPublished April 25, 2026

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.

Retirement savings benchmarks by decade.

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