Savings Rate Calculator
Find what percentage of your income you’re saving each month. Track toward financial independence with a clear savings rate.
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Frequently Asked Questions
What savings rate should I aim for?
10-15% is the traditional retirement advice. 20%+ is recommended for earlier retirement. The FIRE movement targets 50-70%+ for retiring in 10-15 years. Even 1% is better than 0 — increase gradually.
What is the ’25x rule’ for financial independence?
You need approximately 25 times your annual expenses invested to be financially independent (based on the 4% safe withdrawal rate). Higher savings rates get you there faster because you need less AND save more simultaneously.