Savings Rate Calculator

Calculate what percentage of your income you're saving — and see how it shapes your financial future

Your Income & Savings

Gross Annual Income ($)

Take-Home Pay (after tax, annual $) Leave blank to use gross income

Total Annual Savings ($) 401k, IRA, brokerage, HYSA — all savings

Calculate savings rate based on

Financial Independence Projection

Current Savings/Investments ($)

Annual Expenses ($) What you spend each year (income minus savings)

Expected Annual Return (%)

Safe Withdrawal Rate (%) 4% is the classic rule; 3.5% = more conservative

Your Savings Rate

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Annual Savings

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FI Number (25×)

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Years to FI

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Your Savings Rate

0% savings rate

Savings Rate Benchmarks

Savings Rate vs Years to Financial Independence

Based on your current expenses of $0/year. Row highlighted = your current rate.

Savings Rate	Years to FI	Annual Savings	FI Number