Savings Rate Calculator
How much of your income you actually keep.
Your savings rate
30.0% Strong
20–40% — great work. You'll hit FI in ~20 years at this pace.
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Frequently asked
What is a good savings rate?
Under 10% is low. 10–20% is average. 20–40% is strong. 40%+ is FIRE-level — you're on track to retire early.
Should I use gross or net income?
Use take-home (net) income. Savings rate = (income − expenses) ÷ income.
Does EPF count as savings?
Yes. EPF contributions (both employee and employer) count towards your savings rate because they build your net worth.