How Much Should You Have Saved for Retirement at 40?

At age 40, you have 25 years until a typical retirement age of 65. Starting early is the most powerful advantage in retirement planning — compound interest means every year of delay costs you significantly. If you invest $500/month at a 7% average annual return for 25 years, you'd accumulate approximately $405,036. Use our Retirement Calculator to model your exact scenario.

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