This savings rate calculator works out what percentage of your monthly net income you’re actually saving, from your income and expenses.
The percentage that matters more than the amount
Two people saving 500 € a month aren’t in the same position if one earns 2,000 € and the other 5,000 €: their savings rates are 25% and 10%. The rate — not the raw amount — is what predicts how fast you build wealth and how resilient your finances are.
The 20% reference
A widely used target is saving at least 20% of net income, the “S” in the 50/30/20 method. Raising your savings rate, even by a few points, meaningfully shortens the time needed to reach any savings or investment goal.