Savings Rate Calculator
How much of your income you actually keep.
Your savings rate
15.0% Average
10–20% — solid start. Push toward 25% to accelerate independence.
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Free · Six financial figures · No credit card
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.
Do retirement contributions count as savings?
Yes. Contributions to retirement funds (EPF, CPF, 401(k), super, pension schemes) count towards your savings rate because they build your net worth.