The amount someone should have saved by the age of 30 depends on your circumstances and expectations. Some financial advisors suggest that everyone should have an emergency fund that can cover three to six months of living to be financially secure. Another common guideline is to have the equivalent of your annual salary saved for retirement by the age of 30. For example, if you earn £25,000 a year, you should aim to have £25,000 worth of savings in your account by your 30th birthday.