Savings Rate Calculator
Your savings rate is the single most important number for building wealth. Enter your income and expenses to see where you stand.
This calculator works in any currency: enter your income and expenses in the same currency, even though the fields display a dollar symbol. Your savings rate is a percentage, and the savings amounts are in the currency you used.
Your Numbers
Your take-home pay each month
Total spending: housing, food, transport, subscriptions, everything
Average stock market return is ~7% after inflation
Your Savings Rate
Income vs Expenses
Years to Financial Independence
Based on the 4% withdrawal rule (25x annual expenses)
How You Compare
Your savings rate is a guideline, not a guarantee. Actual investment returns vary, and this calculator assumes consistent savings and returns. Use it as a starting point for your financial plan, not as financial advice.
Track Your Savings Rate Automatically
Monavio calculates your savings rate every month from your actual transactions — no spreadsheets needed.
Get started free