Retirement rules of the road

Four key goals to help you stay on track to retirement—your “someday.”

Get the answers to four key retirement questions in the articles below—plus an inside look at our retirement math.

How much should you save each year for retirement?

How much should I save for retirement?
Aim to save at least 15% of your income annually—start as soon as you can.

How much do you need to save for retirement?

Am I on track?
Try to save at least 1x your salary by the time you’re age 30, 3x by 40, 6x by 50, 8x by 60, and 10x at 67.

How much of your retirement income needs to come from savings?

Where will my retirement income come from?
Plan for about 45% to come from savings, the rest from Social Security.

How can you make your savings last?

How can I make my retirement savings last?
Limit withdrawals to no more than 4% to 5% annually, adjusted for inflation.

Retirement math Under the hood:
retirement math

How the key concepts of our retirement rules of the road work together.

Road trips: real life stories Road trips:
real life stories

Meet some investors on their journey to retirement—and one who is already there.

Get all retirement Viewpoints

Saving for retirement

Learn about tax-smart strategies to help grow your money—so you can achieve your goals.

  • Savings basics
  • Strategies by age
  • Pitfalls to avoid
  • Savings tools
  • Products to consider

Getting ready to retire

Learn how to turn your savings into a lifetime income stream you can't outlive.

  • Income basics
  • Strategies by age
  • Pitfalls to avoid
  • Income tools
  • Products to consider