Savings rate calculator
The share of your take-home pay you keep, worked out in seconds.
- Enter your take-home pay
- Enter what you spend
- See the share you keep
Results are estimates from figures you enter. It does not calculate tax, project super or consider your circumstances.
How this is calculated
Savings rate = (income − spending) ÷ income. This is the take-home version from our guide,how to calculate your savings rate, which also covers the gross and with-super versions. Spending above income gives a rate below zero. The ABS figure (6.5%, June quarter 2026) covers all households and is measured differently, so it is a reference point, not a target.
The years to financial independence assume you start with nothing invested, keep the same income and rate, and earn the real return you set (default 5% after inflation, so everything is in today's dollars). The target is yearly spending divided by the withdrawal rate (default 4%, from a US rule of thumb that is not a guarantee; see what is FIRE in Australia). It leaves out tax, fees, super rules, the Age Pension and money already saved, so treat it as a sense of scale.
Default assumptions last checked .Every one of them can be changed above.
See your real numbers, not estimates.
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