¿Cuánto deberías de ahorrar según tu edad?

How much should you save according to your age?

If you have not yet developed the habit of saving and you consider that your list of expenses is very large, here are some techniques to organize your finances.

Saving a part of your monthly income is essential to enjoy a comfortable and economically stable future. However, defining the appropriate amount to save is not an easy task.

READ: Five tips to save on paying taxes

It is recommended to reserve at least 10% of your salary, but the percentage can be higher if ant expenses are avoided, that is, small daily amounts outside the budget”, explained the economist José Luis Torres, regional manager of the Caja Selva Zone. Piura.

The expert advises using this savings guide according to age ranges:

  • Under 25 years old: It is recommended to save at least 10% of your income, however the best savers in this segment save up to 30% of what they earn.
  • People between 25 and 35 years old: They should reserve 17% of their salary, but the most disciplined can save up to half of their income.
  • People between 35 and 40 years old: The minimum percentage of recommended savings is reduced to 15%. “Although income tends to rise as time goes by, fixed expenses such as mortgage payments or children’s school fees usually appear as expenses after this age,” Torres said.
  • From 41 to 55 years old: It is the most austere group with its expenses, it is estimated that it reserves 55% of its income.
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According to Caja Piura, the baby boomers, people between 45 and 59 years old, are the generational group that saves the most, representing 39% of the clients who open an account in the microfinance institution. The term they usually choose is 360 days as part of the campaign “Put your savings to work,” says Torres.

READ: Six techniques to save a little money each month

How to organize personal finances?

If there is no saving habit and you consider that your list of expenses is very large, Torres suggests some techniques to organize your finances. “An excellent practice is to pay yourself first” by Robert Kiyosaki (author of Rich Dad Poor Dad). Right after receiving your salary, you must allocate part of your income to your savings account,” says Torres.

Another very effective and popular technique in the United States for those who have never saved before or have a hard time achieving it, is the “52 Week Challenge”. It consists of the gradual and growing increase in savings. We start by saving S/1 during the first week of the challenge, in the second week we reserve S/2 and so on. The idea is that you save the same amount of the corresponding week number. For example, in week 25, you will save 25 soles and in week 52, you will save 52 soles. At the end of week 52 you will have saved the sum of S/1,378.

If you apply the same technique and start with S/10 soles, you will complete the challenge with S/13,780, explained the Caja Piura expert.

READ: How to invest and save in times of economic uncertainty?


The fact that the savings grow from a minimum amount to a maximum of 52 soles, will make you perceive it as something easy to achieve. You can keep up the pace and don’t leave it halfway. We know staying the first step to start a new habit is always the most difficult, but with this technique there are no excuses.

Avoiding unnecessary purchases requires discipline. For this reason, Torres suggests adding the ant expenses that are made daily to realize their impact on the monthly budget. “If you have this information and a clear personal or family budget, you will better control your money,” the spokesperson added.

One of the most common mistakes, Torres also comments, is saving without knowing what the money will be used for, since without a proposed goal, motivation is lost. “Plan savings in the short, medium and long term. Once you reach a purpose, you will want to go for more”, he finished.

READ: Personal finances: methods to save and invest your money

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