my financial report card

Based on Fidelity's age-based savings guideline: by 30 you should have 1x your salary saved, by 35 2x, by 40 3x, and so on. Your total savings is compared against that target for your age and income. It's a rough benchmark, and everyone's situation is different. The subtitle also shows how you compare to the median and average net worth for your age group, based on the Federal Reserve's Survey of Consumer Finances. See the full breakdown ↗

20% of your gross monthly income, based on the 50/30/20 rule (50% needs, 30% wants, 20% savings + investing). This is a widely-used starting benchmark, more aggressive than Fidelity's 15% guideline (which includes employer match), but a great target to aim for. If you have high-interest debt, tackle that first before hitting this number.

6 months of your monthly expenses in liquid, accessible cash (enough to cover job loss, medical bills, or any surprise without touching your investments).

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