Retirement Planning by Age: How Much You Need to Save

Retirement planning becomes more critical and more expensive with each passing year. Starting early gives you the powerful advantage of compound interest.

Retirement Savings by Age

• Age 20s: Save 10-15% of income, focus on growth investments
• Age 30s: Save 15-20%, balance growth with moderate risk
• Age 40s: Save 20-25%, shift toward stability and diversification
• Age 50s: Save 25-35%, maximize catch-up contributions
• Age 60+: Preserve capital, focus on income-generation

The Power of Starting Early

Starting at age 25 instead of 35 can mean double the retirement corpus at age 60, even with the same monthly contribution. Every year of delay costs you significantly more later.

Plan your retirement timeline with our Age Calculator.