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Find out if your retirement savings are on track with our quick quiz.
By
Donna Fuscaldo
published
3 April 2026
in Features
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Signup + An account already exists for this email address, please log in. Subscribe to our newsletterFor many 50-year-olds, the magic number to retire feels like a moving target. If you plan on retiring at 65, you still have a decade or more to build the nest egg you’ll need to live comfortably.
But knowing where you stand today is the only way to plan for tomorrow. For some, a benchmark is confirmation that they are on track; for others, it’s a reminder to step up their efforts. Moreover, it could be a vital wake-up call.
To help you find your footing, JPMorgan crunched the numbers to create a retirement savings benchmark based on age and income. This model assumes a retirement age of 65, an annual gross savings rate of 5%, a portfolio of target-date funds and a retirement lasting 35 years.
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Sign up Swipe to scroll horizontallyRetirement savings targetsHousehold Income
Target Savings by Age 50
Target Savings by Age 55
$80,000
$355,000
$450,000
$100,000
$430,000
$585,000
$150,000
$615,000
$840,000
$200,000
$775,000
$1.065 million
$250,000
$980,000
$1.345 million
$300,000
$1.29 million
$1.75 million
Subscribe to the Retirement Tips newsletter, your guide to planning and enjoying a financially secure and richly rewarding retirement.
Saving for retirement involves many moving parts beyond your 401(k) or IRA balance. Your debt load, health care strategy and the actions you take today all dictate your future security.
Not sure if your retirement savings are truly on track? Take our quiz to see where you stand and what your next move should be.
More on Retirement, from the Kiplinger team:
- I Am 55 With a $1.5 Million 401(k). Should I Take a 401(k) Loan to Pay for a Home Improvement Project?
- Want To Retire at 55? See If You Can Answer These Five Questions
- Why You May Want to Stop Saving for Retirement Sooner Than You Think
- Avoid These Four Mistakes in the Run Up to Retirement
Donna FuscaldoSocial Links NavigationRetirement Writer, Kiplinger.comDonna Fuscaldo is the retirement writer at Kiplinger.com. A writer and editor focused on retirement savings, planning, travel and lifestyle, Donna brings over two decades of experience working with publications including AARP, The Wall Street Journal, Forbes, Investopedia and HerMoney.