The more you save for retirement — especially while you’re younger — the faster you’ll become “work optional” and the more comfortable your retirement will be.
Of course, some workers save more aggressively than others. How does your 401(k) contribution rate stack up against the average American’s?
The Typical 401(k) Contribution Rate
According to a third quarter 2025 report by Fidelity, the average employee contributes 9.5% of their salary toward their 401(k) account. Employers add an extra 4.7% matching contribution on average, for a combined contribution rate of 14.2%.
That’s near a record high percentage of 14.3%, seen in the first quarter of 2025. But is it enough?
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