Savings Rate Calculator

2026 rules

Calculate your true savings rate, including pre-tax contributions and the match.

Your numbers

Take-home pay (yearly)

Pre-tax retirement contributions (401(k), HSA)

Employer match

Saved from take-home pay

Real return for years-to-FI

Result

Your savings rate31.3%

Income counted (take-home + pre-tax + match)$99,000
Total saved$31,000
Savings rate31.3%
Yearly spending$68,000
Years to FI from zero at this rate27.0

How it works

Savings rate is everything you save divided by everything you earn. Count pre-tax 401(k) and HSA contributions and the employer match in both numbers, along with what you save from take-home pay.

At a 5% real return, saving 50% of income reaches financial independence in about 17 years from zero; 25% takes about 32.

Questions

Should I use gross or net income?

Either works if you're consistent. This calculator uses take-home pay plus pre-tax savings, so taxes don't count as spending or saving.

Does paying down debt count?

Extra principal payments raise your net worth. Count them if they're a deliberate part of your plan.