🎲 Fun & Lifestyle
Savings Rate Calculator
What % of income you save — the #1 predictor of wealth.
Enter values to see your result
Frequently asked questions
What's a good savings rate?
10% = minimum. 20% = standard good. 40%+ = FIRE-path. 50%+ = 17 years to FI. 75%+ = 7 years. Math is brutal and rewarding.
Why is 20% the classic advice?
Fits 40-year working life with modest retirement. Saving 20% of each year's income, invested, covers 25–30 retirement years comfortably.
Why does savings rate matter more than income?
₹20L earning 50% saver retires before ₹40L earning 15% saver. You only get to retire when assets can replace expenses — not when salary is "high enough".
Gross or net income?
Post-tax, post-FICA income. Using gross overstates your practical savings rate.