Savings Rate Calculator
Understand how much you're saving and how fast you're building wealth.
This computes your cash-flow savings rate: (after-tax income − expenses) ÷ after-tax income. It counts everything you don't spend — your FI investment rate (only what actually gets invested, plus employer match) can be lower if savings sit in cash, and the planner tracks that separately.
Income
* We use annual after-tax income ($63,750) for savings rate calculations.
Expenses
* Enter monthly average expenses. Calculations use annualized totals.
Your Savings Rate
Under this calculator's definition, about 31% of the included income — $19,950 per year — is not being spent. Whether that's the right rate depends on your age, goals, and timeline; the FI date calculator shows what it does to them.
Net Income
$63,750
Annual Expenses
$43,800
Annual Savings
$19,950
Monthly Savings
$1,663
See how this savings amount grows over time.
This is an educational estimate, not financial advice. This calculator reports a rate under one definition; it does not judge whether that rate is right for your goals. How the rate is defined →
Next step in the suite
FI Date Calculator