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There are three basic steps to make sure your savings can help you meet your future needs:
- Pay yourself first – set aside a portion of your paycheck for savings before paying for other expenses.
- Create an emergency fund – Life is unpredictable, so saving three to six months of expenses is a good rule. Here is where your income tax refund/next raise can go.
- Focus on retirement – If your employer offers matching to all or even a portion of your contributions, take advantage. Industry experts suggest saving 10-15% per pay period toward retirement.1
Retirement savings tools
See how different savings amounts could work for you. Check out these tools:
My Interactive Retirement PlannerSM ― Set retirement goals, track progress and find ways to improve a retirement outlook.
Paycheck impact calculatorSM ― See how different savings rates will impact how much you take home. Because often the money is tax-deferred. So, it may cost less than you think to save more.
More retirement savings strategies
This video can help you calculate and set aside what you might need for retirement.
 Choose the Right Contribution Rate for Your 401k, U.S. News & World Report (March 2017)
Neither Nationwide nor its representatives give legal or tax advice. Please consult with your attorney or tax advisor for answers to your specific tax questions.