Eleven times your final working salary.

That's how much an average worker needs beyond Social Security payments, from sources like personal savings and employer benefits, to pay for retirement at age 65, a new analysis from the benefits consultant Aon Hewitt finds. The estimate takes into account inflation and post-retirement medical costs. And it is based on the retiree continuing to maintain the same standard of living.

Delaying retirement to age 67 reduces the amount to 9.4 times pay, while retiring earlier, at age 62, increases it to 13.5 times pay, the report said.

The analysis, which examined the projected retirement levels of about 2.2 million employees at 78 large companies in the United States, found that most employees are not on track to meet the goal of 11 times pay, although many are doing a bit better than they were a couple of years ago.

Most "full-career" employees are on track to save 8.8 times their final pay, leaving a shortfall of 2.2 times pay, the analysis found. That's a bit better than the shortfall of 2.4 times pay in 2010. Full-career employees are those who have a potential career of 30 years or more with their current employer before retirement, and who are currently saving in their defined-contribution retirement plan, like a 401(k).

Workers need to save more, however, to close the gap.Or employers could provide more generous contributions.(Companies without traditional pension plans generally contribute about 6 percent of pay to employees' retirement each year.) Fewer than 30 percent of full-career employees are on track to achieve adequate retirement income, Aon Hewitt found.

How much of your income are you saving for retirement? Do you think 11 times your pay is achievable?

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An Estimate for Needed Retirement Savings