How Much Should You Actually Save for Retirement by Age

A rough reference point by age, using income multiples — genuinely useful as a directional check, not a target to hit exactly.

Rough Benchmarks by Age

These are directional, general guidelines — not India-specific precise targets. Treat them as a rough check on whether you're meaningfully behind, not a number to hit exactly.

Why This Is a Rough Check, Not a Target

Your actual required corpus depends on your specific projected retirement expenses (see our FIRE number calculation method for the real, personalized approach), not a generic income multiple. These benchmarks are useful for a quick gut-check — "am I in the right ballpark" — while the FIRE number method gives you your actual specific target.

If You're Significantly Behind

• Increase savings rate — even a modest percentage increase compounds meaningfully over remaining working years
• Reassess asset allocation — ensure you're not overly conservative if your timeline still has meaningful years left
• Consider whether extending working years slightly, or adjusting expected retirement lifestyle, closes the gap realistically
• Don't panic-shift into high-risk investments trying to "catch up" — this often makes things worse, not better

Full Detail

See our actual retirement number calculation method for a personalized target rather than a generic benchmark.