How Much Should I Have Saved by 25?
By 25, most experts suggest having at least $10,000-$20,000 saved — roughly a quarter of your annual salary. Even modest savings at this stage benefit enormously from decades of compound growth.
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With 40 years until retirement, starting from $10,000 in savings and contributing $500 per month at an assumed 7% annual return, you could accumulate approximately $1.4M by age 65.
This projection uses monthly compounding and assumes consistent contributions. In reality, your returns will vary year to year, but the long-term trend of disciplined saving combined with market growth has historically rewarded patient investors.
Use the full Retirement Calculator to run your own personalized scenarios with different contribution levels, return assumptions, and withdrawal plans.