Retirement Readiness Checkup
Are you retirement-ready?
Enter your age, income and balance once. See your savings rate, your savings multiple against Fidelity's age guideposts, your balance vs the average, and your projected nest egg.
2 of 5 in a healthy range. Making progress — a few gaps to close.
- Savings rate12%
- Savings multiple1.7×
- Balance vs age average$150,000
- Projected at 67128% of target
- 4% rule income8%
Example figures — edit any input to recompute every metric against its cited benchmark.
The basics — enter once
Your total contribution rate including employer match.
Close — nudging toward 15% would do it.
Source: Vanguard / common guideline
Your balance as a multiple of income vs Fidelity's age milestone.
Uses the shared inputs above.
Behind — under the savings multiple suggested for your age.
Source: Fidelity retirement guideposts
Your balance vs the average saver your age.
Uses the shared inputs above.
Above the average balance for your age.
Source: Vanguard, How America Saves 2024
Your balance grown to 67 at 5% real, vs a 10×-income target.
Uses the shared inputs above.
On pace — projected to reach a 10×-income nest egg.
Source: 25× expenses / 4% rule
What 4% of your balance covers vs 80% of your income.
Uses the shared inputs above.
Early — 4% of today's balance covers a small share of pay.
Source: Bengen 4% rule
How this checkup works
We compare your contribution rate to the 15% guideline, your savings-to-income multiple to Fidelity's age milestones (1× by 30, 3× by 40, 6× by 50, 8× by 60, 10× by 67), your balance to Vanguard's average for your age, and project your balance to 67 at a 5% real return to test the 25×-expenses / 4%-rule target. Estimates only.
Sources: Fidelity retirement savings guidelines · Vanguard, How America Saves 2024 · Bengen 4% rule / Trinity study.
Frequently asked questions
What's the savings multiple guideline?
Fidelity suggests roughly 1× your salary saved by 30, 3× by 40, 6× by 50, 8× by 60, and 10× by 67. It's a rule of thumb, not a guarantee.
What return does the projection assume?
A 5% annual real (after-inflation) return, contributions growing with your current rate. Markets vary — treat it as a rough guide.
Every number here is benchmarked against a cited public source. Estimates only — verify important figures independently.