Savings Rate Calculator
Calculate the percentage of monthly income being saved or invested.
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Your result
Savings rate
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Annualized savings
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Income remaining after savings
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Enter your assumptions to see a short result summary.
How it works
- Savings rate compares the amount saved or invested during a period with income during the same period.
- The calculator also shows the amount of income not included in savings.
- Use consistent gross-income or net-income assumptions when comparing your rate over time.
Savings Rate = Monthly Savings / Monthly Income × 100
Frequently asked questions
Should I use gross income or take-home income?
Either can be used if you remain consistent. The resulting percentage has a different meaning depending on which income definition you choose.
Do investment contributions count as savings?
They can be included if that matches the way you want to measure your personal savings rate.
Can savings exceed monthly income?
Yes, for example when savings come from prior cash balances or irregular income, although such a rate may not be sustainable.
Disclaimer
This calculator provides a simple personal savings ratio. Results depend on how you define income and savings and are not a financial-planning recommendation.