Calculator
Savings rate calculator
What share of your pay you keep, and what that share is worth in years.
After tax, and after anything deducted from your pay.
Everything that goes out, including debt payments.
Anything your employer puts into a pension or retirement account. Optional.
At 25%, a year of saving buys 0.33 years of spending, and 25 years of spending takes 75 years with no growth, or 31 years 11 mo at a 5% real return.
Free, no sign-up, and nothing you type here leaves your browser. This site runs no analytics.
Common questions
How is the savings rate worked out?
Take-home pay minus spending, divided by take-home pay. If your employer contributes to a pension, the gross figure adds that to both the top and the bottom of the fraction, which is the more generous of the two common definitions.
Why does income cancel out of the years figure?
Because both what you save and what you spend scale with it. At a 20% savings rate, four years of saving covers one year of spending whether you earn 30,000 or 300,000 — which is the whole point, and the reason the rate is a more useful number than the amount.
Where does 25 times come from?
It is the balance implied by withdrawing 4% a year, a common planning shorthand. It is a rule of thumb rather than a guarantee, and this page uses it as a unit of measurement rather than as a target it is telling you to hit.
My savings rate is negative. Is the calculator broken?
No. Spending more than you earn gives a negative rate, and the calculator reports it plainly rather than clamping it to zero. There is no path to 25 times spending while that holds, so that figure is left blank instead of guessed.
Is my income sent anywhere when I use this?
No. Your pay and spending are used only to compute the figures on screen, in your browser. Nothing is transmitted and this site runs no analytics.