How is savings rate calculated?

Savings rate is the amount you save divided by your take-home income, expressed as a percentage. Saving 600 out of 3000 is a 20% savings rate.

How is years-to-FI estimated?

It uses the 25× rule: financial independence is roughly 25 times your annual spending. The estimate divides that target by your annual saving, with no investment growth — real returns would make it faster.

No: every figure stays in your browser and nothing is sent to a server.

Savings Rate Calculator

Find your savings rate and a rough years-to-FI estimate.

Savings rate calculator

Your savings rate is simply the share of your take-home pay that you save: save 600 out of 3,000 and your rate is 20%. A higher rate is the single biggest lever on how soon you can stop relying on a paycheck.

This tool also gives a rough years-to-financial-independence estimate using the 25× annual spending rule, with no investment growth assumed — real returns would shorten it. Everything runs in your browser with nothing uploaded.