1The guideline
Fidelity suggests 1x your salary by 30, 3x by 40, 6x by 50, 8x by 60 and 10x by 67. On $60,000, that is $60,000 saved by 30.
Source: Fidelity
2What people actually have
In 2025, 54.9% of US families had a retirement account. The median balance among them was $106,000.
Source: Federal Reserve
3Behind? Start with the match
Contribute at least enough to get your full employer match. It is the fastest way to add to the balance.
4Raise it 1% a year
Many plans let you raise your contribution automatically each year, so it grows with your pay.
How to do it in Oaktally
A guideline is a number once a year. Oaktally keeps your retirement balance next to your budget, so you see progress every month.
- Add the accountAdd your 401(k) or IRA as an investment account with its current balance.
- Update it each statementUse Update balance when your statement arrives, so the number stays current.
- See it in your net worthHome counts it with your other accounts, so you see the whole picture.
Try it with your numbers
See your balance at retirement with your match and the 2026 limit.
Run your 401(k) numbersFrequently asked questions
How much should I have in my 401(k) at 30?
About one year of salary by Fidelity's guideline. Many people have less; the habit of saving matters more than hitting it exactly.
Do IRAs count toward these numbers?
Yes. The guidelines count all retirement savings, not just one 401(k).
Further reading
Fidelity: How much do I need to retire? ↗Federal Reserve: Changes in U.S. Family Finances from 2022 to 2025 ↗Educational examples, not individual financial advice.
