Savings Rate Calculator
Calculate your personal savings rate and understand how income, expenses, and savings affect your financial goals and retirement planning.
Step 1: Income & Savings
Understanding Savings Rate
Your savings rate is the percentage of your after-tax income that you save each month. A higher savings rate accelerates financial independence and retirement goals.
Step 2: Expenses & Goals
About Investment Returns
Historical stock market returns average 7-10% annually. Conservative portfolios might yield 3-5%, while aggressive investments could potentially earn 8-12% over long periods.
Savings Rate Results
Your Savings Rate
Savings Rate Comparison
| Savings Rate | Monthly Savings | Time to Goal | Future Value | Retirement Age |
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Savings Growth Analysis
Savings Rate Formula
Savings Rate = (Monthly Savings ÷ Monthly Income) × 100%
Your savings rate is calculated by dividing your monthly savings by your monthly after-tax income and multiplying by 100 to get a percentage. This is a key metric for financial planning.
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