How much should I have saved by 50, 55, and 60 to retire comfortably?

Fidelity's popular benchmarks suggest saving roughly 6 times your salary by age 50, about 7 times by 55, and around 8 times by 60, reaching about 10 times by your late 60s. These are broad guideposts, not guarantees, since your target depends on your spending, Social Security, and when you plan to retire. If you're behind, catch-up contributions to 401(k)s and IRAs, available at 50 and up with an extra boost at ages 60 to 63 under SECURE 2.0, can accelerate progress. Treat the multiples as a directional check, then confirm with a real projection.

See how your savings track against your goal using the Retirement Planner at wealthserene.com/tools/retirement-planner.