Here’s how much money Americans in their 40s have in their 401(k)s

The answer to this is highly personal and depends on your lifestyle, expenses and spending habits, but there are a few basic guidelines to follow if you want to retire comfortably.

Fidelity recommends saving 15% of your salary toward retirement, and that amount includes contributions from your paycheck as well as any contributions from your company.

The goal is have 10 times your final salary in savings by retirement. If you want to retire at 67, Fidelity has a timeline to use in order to hit that magic number: By age 40, it recommends having three times your salary saved; by age 45, four times; and by age 50, six times.

Ultimately, though, everyone’s scenario is different. If you’re getting a later start on saving, you will have to save more to catch up. In a 2018 report, the Stanford Center on Longevity determined that if you want to retire by age 65, you should be setting aside 10-17% of your income if you start saving as early as age 25. But if you wait until 35 to start, you have to save 15-20%.

To help you figure out the right amount to fund your retirement, try using a retirement calculator.

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