Worried you’re not saving enough for retirement? Fidelity Investments has some new easy rules of thumb to make sure you’re not too far behind.

The guidelines state that by age 35, you should have one times your annual salary saved up for retirement. Five years later, you should have two times. And on and on, until you reach 67 when you should have eight times your annual salary saved.

Laid out visually, the guidelines look like this:

• By 35, save 1x gross annual salary
• By 40, save 2x gross annual salary
• By 45, save 3x gross annual salary
• By 50, save 4x gross annual salary
• By 55, save 5x gross annual salary
• By 60, save 6x gross annual salary
• By 67, save 8x gross annual salary

Meanwhile, more and more employers are providing matches on their 401(k) plans, according to new numbers from Charles Schwab. Employers who bailed on matching contributions during the financial meltdown are now back up to nearly the pre-meltdown level.

This is not being done out of altruism. There is provision in the law that if an employer can’t get the vast majority of employees to participate, the bosses can’t themselves get high levels of matching 401(k) compensation.

So your company’s 401(k) match is there for the benefit of the boss and as a bribe to get you to participate. I say take the bribe. It’s free money!