How much money should I have at 30?

Here's how much cash they say you should have stashed away at every age: Savings by age 30: the equivalent of your annual salary saved; if you earn $55,000 per year, by your 30th birthday you should have $55,000 saved. Savings by age 40: three times your income. Savings by age 50: six times your income.

cnbc.com - Here's how much money you should have saved at every age

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Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. Select will update as changes are made public. How much you should be saving for retirement is an age-old question that just about everybody wants to know. While the answer has a lot to do with when you plan to retire and the type of lifestyle you want to have in retirement, there are some general guidelines that you can follow at every age to help get you there. Subscribe to the Select Newsletter! Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.

How much money to have saved at every age

According to retirement-plan provider Fidelity Investments, the rule of thumb is to save 10 times your income if you want to retire by age 67. Adjust this amount if you want to retire any earlier or later. Those retiring at 62 (the earliest you can claim Social Security) will need to save more to compensate for an additional five years without income. Those retiring at 70 probably won't need the full amount of 10 times their income, as they will have worked an additional three years and presumably have fewer years left to spend their savings. While Fidelity's guideline is a big goal, it's more manageable when you start early and have many years to reach it. Fidelity suggests the following age-based savings milestones that would provide enough income for you to continue your current lifestyle in retirement (rather than planning to downsize or spend more). Here's how much cash they say you should have stashed away at every age: Savings by age 30 : the equivalent of your annual salary saved; if you earn $55,000 per year, by your 30th birthday you should have $55,000 saved the equivalent of your annual salary saved; if you earn $55,000 per year, by your 30th birthday you should have $55,000 saved Savings by age 40 : three times your income

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three times your income Savings by age 50 : six times your income six times your income Savings by age 60 : eight times your income eight times your income Savings by age 67: ten times your income The above savings guidelines include anything you have in a retirement account, like a 401(k) or Roth IRA, company matches, as well as your investments in things like index funds or through robo-advisers. While personal savings goals can differ between individuals, these milestones can help you stay on track or kick it into gear if you're nowhere close. Learn more: Here's where experts recommend you should put your money during an inflation surge

How to start saving

LendingClub High-Yield Savings Learn More LendingClub Bank, N.A., Member FDIC Annual Percentage Yield (APY) 3.60%

Minimum balance No minimum balance requirement after $100.00 to open the account

Monthly fee None

Maximum transactions None

Excessive transactions fee None

Overdraft fees N/A

Offer checking account? Yes

Offer ATM card? Yes See our methodology, terms apply.

A second option would be the Synchrony Bank High Yield Savings. It currently offers a 2.05% APY and all savings account holders can receive an ATM card (with no checking account requirement). A savings account is meant to grow your money over the short-term, but if an emergency comes up it's good to know you have easy access to your cash. Synchrony Bank High Yield Savings Learn More Synchrony Bank is a Member FDIC. Annual Percentage Yield (APY) 2.25%

Minimum balance None

Monthly fee None

Maximum transactions Up to 6 free withdrawals or transfers per statement cycle *The 6/statement cycle withdrawal limit is waived during the coronavirus outbreak under Regulation D

Excessive transactions fee None, but may result in account closure

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Overdraft fees N/A

Offer checking account? No

Offer ATM card? Yes Terms apply.

Charles Schwab Learn More Minimum deposit and balance Minimum deposit and balance requirements may vary depending on the investment vehicle selected. No account minimum for active investing through Schwab One ® Brokerage Account. Automated investing through Schwab Intelligent Portfolios ® requires a $5,000 minimum deposit Fees Fees may vary depending on the investment vehicle selected. Schwab One ® Brokerage Account has no account fees, $0 commission fees for stock and ETF trades, $0 transaction fees for over 4,000 mutual funds and a $0.65 fee per options contract

Bonus None

Investment vehicles Robo-advisor: Schwab Intelligent Portfolios ® and Schwab Intelligent Portfolios Premium™ IRA: Charles Schwab Traditional, Roth, Rollover, Inherited and Custodial IRAs; plus, a Personal Choice Retirement Account ® (PCRA) Brokerage and trading: Schwab One ® Brokerage Account, Brokerage Account + Specialized Platforms and Support for Trading, Schwab Global Account™ and Schwab Organization Account

Investment options Stocks, bonds, mutual funds, CDs and ETFs

Educational resources Extensive retirement planning tools Terms apply.

Bottom line

Having savings milestones for each decade of your life can help motivate you to save, knowing that the end goal means retirement at the age of 67. But the main takeaway is that you can start saving now, no matter what age you are. The first step is to have a plan and start putting aside the cash you can today. Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

cnbc.com - Here's how much money you should have saved at every age

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