
401(k) Savings By Age: Complete 2025 Contribution Guide And Targets
by BLACK ENTERPRISE Editors November 25, 2025 To maximize your 401(k), contribute at least enough to get your full employer match, increase contributions by 1%-2% annually, and aim to save 10%-15% of your income for retirement across all accounts. The ideal 401(k) balance by age 30 is 1x your annual


















