How much should I have saved for retirement at 25?
Have a guess first. It sticks better.
Pick one. No sign-up, no catch.
The honest answer to "how much should I have saved" at 25 is: less than you fear, and the number matters less than the date you start.
Six years of $200 a month is $14,400 out of your pocket. By 65 that difference is $235,917, because the earliest money has the longest to compound.
If you have nothing saved at 25, you have not missed anything that cannot be recovered. If you are 25 and waiting for a better salary before starting, that is the expensive choice.
Run it with your own numbers →
Free, no account. Change anything and watch the total move.
Session 5: The eighth wonder →
Two people, the same monthly amount, six years apart. The gap at 65 is the whole argument for starting now.
- What does it really cost?
- Who gets paid if I say yes?
- What would this money do somewhere else?
Other straight answers