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Fidelity says you need savings at the following level of your income:
Age Multiple of Income Age Multiple of Income
30 1X 50 6x
35 2X 55 7x
40 3X 60 8X
45 4X 67 10X
Fidelity uses 67 as the Social Security Full Retirement Age because that represents the expected FRA for current workers.
JP Morgan
Age Income Checkpoint (X Current Household Income)
$ $30,000 $50,000 $75,000 $100,000 $200K
30 0.2 0.4 1.1 1.3 2.1
35 0.3 0.8 1.6 1.9 2.8
40 0.6 1.2 2.2 2.6 4.2
45 1.0 1.8 3.0 3.4 4.8
50 1.5 2.5 3.9 4.5 6.2
55 2.1 3.3 5.1 5.7 7.9
60 2.9 4.3 6.5 7.3 9.9
65 3.9 5.6 8.4 9.4 12.7
-Go to the intersection of your current age and your closest household income.
-Multiply your household income by the checkpoint shown to get the total amount your household should have invested today, assuming you continue to save 5% going forward.
-Example: For a 40-year-old with a household income of $100,000: $100,000 X 2.6 = $260,000.
https://am.jpmorgan.com/us/en/asset-management/gim/adv/insights/guide-to-retirement
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