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Savings Rate Calculator
The single most important number in personal finance
€3,000
€500€20,000
€2,200
€0€20,000
Income€3,000
Expenses−€2,200
Monthly Savings+€800
Savings Rate
27%
😊
Good!
Years to Financial Independence
32
(4% rule, 5% real return)
😊
Good!
Clearly above average. Keep going — financial freedom is getting closer.
Savings Rate → Years to FIRE
10%
51 yrs
20%
37 yrs
30%
28 yrs
40%
22 yrs
50%
17 yrs
60%
12.5 yrs
70%
8.5 yrs
80%
5.5 yrs
Based on MMM / Trinity Study calculations. Your current rate is highlighted.