Financial Trajectory
Your savings rate compared to global percentiles, with a retirement wealth projection at different savings rates.
Savings rate = current savings ÷ annual income. Compared against the Federal Reserve Survey of Consumer Finances (2022).
Your savings rate is higher than
97%
of US households
Savings multiple
0.3×
of annual income
At 65 (projected)
$3.0M
at 7% real return
Savings Rate Distribution — US Households
The FIRE movement targets a 50–70% savings rate for early retirement. The 4% safe withdrawal rule means you need 25× your annual expenses saved to retire. At your current trajectory, projected retirement wealth is $3.0M by age 65.
Put It In Context
The Federal Reserve's Survey of Consumer Finances (2022) found that the median American family has $87,000 in retirement savings, and the average is $333,000 — a gap driven by extreme inequality at the top. Only 54% of Americans have any retirement savings at all. The most powerful lever in wealth building is not investment returns but savings rate: a person saving 50% of income reaches financial independence in ~17 years regardless of salary, while a person saving 5% needs 66 years.
Curiosity Trail — explore next