What is a "money age"?
Your money age compares your current retirement and investment savings, as a multiple of your income, against widely-used age-based savings benchmarks (the same kind published by major retirement providers: roughly 1× your salary saved by 30, 3× by 40, 6× by 50, and 10× by 67). If your savings multiple matches what the benchmark expects at age 45, your money age is 45 — whatever your actual age is.
Frequently asked questions
Where do these benchmarks come from?
They're based on commonly published retirement savings milestones (income multiples at ages 30, 35, 40, 45, 50, 55, 60 and 67), the same kind of guideline major retirement/investment firms use. It's a general guide, not personalized financial advice.
What if I'm behind?
Being behind the benchmark is extremely common and not a verdict on anything — these milestones assume a specific, steady savings path that most real careers don't follow exactly. Use it as a nudge, not a judgment.
Does this include my home equity?
No — this is meant for retirement and investment savings specifically (401(k), IRA, brokerage accounts), not home equity or other illiquid assets.