Savings Rate Calculator
Calculate your savings rate and see how it impacts your path to financial independence.
Your total income before taxes
All spending including housing, food, entertainment, etc.
Enter your details to calculate your savings rate
Your savings rate is the single most important factor in determining how quickly you can reach financial independence. A 10% savings rate means about 51 years to FI, while a 50% rate means roughly 17 years.
Unlike investment returns which are partially out of your control, your savings rate is something you can directly influence through earning more and spending less. Even small improvements compound significantly over time.
- Unlimited calculation history
- AI-powered insights & suggestions
- Full dashboard with progress tracking
- Export reports as PDF or CSV
For informational and educational purposes only. This calculator provides estimates based on the information you provide and general financial principles. Results are not guaranteed and should not be considered financial, investment, or tax advice. Please consult a qualified financial advisor for personalized recommendations.