Savings Rate Calculator
What percent of your income you're keeping.
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Savings rate20.0%
The Mr. Money Mustache table: 10% rate = ~51 years to retirement; 25% = ~32 years; 50% = ~17 years.
Frequently Asked Questions
What is a good savings rate?
The average American saves ~5-10%. FIRE enthusiasts target 50%+. Even moving from 10% to 15% shaves roughly a decade off the road to financial independence.
Does savings rate include retirement contributions?
Yes — 401k, IRA, and employer match all count. The point is the percentage of income you're not spending.
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