Fidelity Investments has published research showing that a small tweak to your paycheck contribution rate could be worth six figures by retirement. The move, which takes less than five minutes to implement, could add tens of thousands of dollars to your nest egg over time. A worker in their twenties who increases their savings rate by 1% could add roughly 3% more income in retirement, according to Fidelity. The research assumes a 7% nominal annual investment growth rate, a 4% salary growth rate and continued employment through age sixty-seven. The average total savings rate across all 401(k) plans at Fidelity hit a record 14.3% in the first quarter of 2025, which represents the closest workers have ever reached Fidelity’s recommended 15%. More than 85% of 401(K) plans that Fidelity services offer some type of employer matching contribution, with the average match ranging from 4% to 6%.