How Much Should I Have in My 401k at 30?
Fidelity benchmark: save 1x your annual salary by age 30
$50k salary
$50,000
target balance
$75k salary
$75,000
target balance
$100k salary
$100,000
target balance
$125k salary
$125,000
target balance
$150k salary
$150,000
target balance
Why 1x at Age 30?
Fidelity's benchmarks assume you start saving at 25 at a 15% savings rate (including employer match), retire at 67, and replace 45% of pre-retirement income from savings (Social Security covers the rest). Hitting 1x your salary at 30 keeps you on this track. The benchmark assumes a target-date fund allocation appropriate for your age — roughly 70% stocks.
2025 401k Contribution Limits
Employee Limit (under 50)
$23,500
Catch-Up Contribution (50–59)
$7,500
Catch-Up Contribution (60–63)
$11,250
Total with Employer Match
$70,000