Retirement by age
Slide to your age to see typical retirement savings milestones, then use the planner below to compare your numbers.
Typical benchmark at age 30: 1× salary
Next checkpoint: age 30 (1× salary)
💡 You're on track for the age-60 benchmark at your current rate.
IRS employee deferral limit for age 28: $24,500/yr
How your projected balance compares to the next benchmark checkpoints.
$4,741 ahead of the benchmark on current path
$24,337 ahead of the benchmark on current path
$82,012 ahead of the benchmark on current path
At your current pace, you may reach 106% of the age-30 benchmark.
Salary-based benchmarks use current salary. They may overstate the gap for people whose income rose sharply in recent years.
Run a complete projection with spending goals, inflation, and withdrawal modeling — pre-filled with your numbers.
Open 401(k) calculator with these inputs →Use this page as a directional benchmark, then move into the full calculator if you want to test the tradeoff between savings rate, retirement age, and spending goals.
Not every age has a dedicated benchmark multiple. This page is still useful for comparing your current path with the nearest common checkpoints and deciding whether deeper scenario testing is worth doing.
Full projection
Benchmarks answer whether you look roughly on pace. The calculator answers whether your plan may support your retirement lifestyle and spending target.
Open the full calculator →Next step guide
Use a focused guide if you want help deciding what to change after seeing this age checkpoint.
Read the related guide →This page helps you compare your age-28 situation with nearby benchmark checkpoints. It is a directional planning tool, especially useful for seeing whether your current balance and savings pace seem close to common milestone ranges.
View the full benchmark planner →Being below a benchmark does not mean your plan has failed. It usually means your next move should be practical: capture full employer match, increase contributions gradually, and run a full projection to see how much a few realistic changes improve the long-term result.
Run the full calculator →Use this page for a quick checkpoint. Use the full calculator when you want a decision tool that includes retirement age, annual spending, employer match, and year-by-year projection details.
Open the full calculator →