Savings Rate Calculator
Calculate your personal savings rate and estimate your FIRE number.
See how much of your income you're saving and how long until financial independence.
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Savings Rate
Savings Rate is the percentage of your income that you save or invest.
Savings Rate = (Monthly Savings / Monthly Income) × 100
FIRE Number (Financial Independence, Retire Early) estimates how much you need invested to live off withdrawals:
FIRE Number = Annual Expenses × 25
This is based on the 4% rule — withdrawing 4% of your portfolio annually.
Savings rate benchmarks:
- 10–15% — Standard retirement advice
- 20–30% — Accelerated savings
- 50%+ — Aggressive FIRE path (retire in ~17 years)
- 70%+ — Extreme FIRE (retire in ~8 years)
Years to FIRE (simplified):
- 10% savings rate → ~51 years
- 25% savings rate → ~32 years
- 50% savings rate → ~17 years
- 75% savings rate → ~7 years