Savings Rate Calculator
Measure how much of your income you keep, both from take-home pay and including payroll saving.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Measure what you keep
Your projection
19.3% total savings rate
Of take-home pay
9.3%
Including payroll saving
19.3%
Saved per year
$14,100
Both numbers are honest; they answer different questions. The first is what your spending plan controls. The second counts money that never reached your account, which is why it is the one to track toward retirement.
About this tool
Method, assumptions, practical next steps, and limits.
Two honest numbers
A savings rate from take-home pay tells you what your spending plan controls. A rate that includes payroll saving tells you how fast wealth is building. Both are correct, so this tool shows both.
How the calculation works
Take-home rate = saved ÷ take-home pay
Full rate = (saved + pre-tax contributions + match) ÷ (take-home + pre-tax contributions + match)
Saving $500 of $5,400 take-home is 9.3%. Add $450 of 401(k) contributions and a $225 match and the full rate is $1,175 ÷ $6,075, or 19.3%. That household saves $14,100 a year.
Limits of the measure
Extra debt payments are not counted here, even though they improve net worth. Taxes withheld are left out of both sides, which keeps the full rate comparable across years but not across tax brackets.
