If you saved $100/month starting at age

By age 65, you would have

By waiting to save, you miss out on

20

$276,977

$0

25

$200,145

$76,832

30

$143,183

$133,794

35

$100,954

$176,023

40

$69,646

$207,331

45

$46,435

$230,542