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How do you get to triple your salary? Save as much as you can as early as you can. Fidelity recommends putting away 15 percent of your income per year starting at age 25 and investing more than 50 percent of your savings over your lifetime. "The good news is that that 15 percent also includes any employer match," Ken Hevert, senior vice president of retirement at Fidelity, tells CNBC Make It. That means if you're eligible for a 5 percent match on your 401(k) plan and you contribute 5 percent of your salary to the account, you're already putting away 10 percent. Three big factors determine if you're on track for retirement: amount, account and asset allocation. In addition to saving 15 percent of your income, you should be investing it back into the market. The easiest way to get started is to sign up for your employer's 401(k) plan and take full advantage of any company match, which essentially gives you free money.