Savings rate
Cash flowThe numbers shown come from a sample profile for illustration – in the calculator you see your own values.
The savings rate measures how much of your external income actually builds your net worth by the end of the month. It nets all balance-sheet shifts against each other: saving, investing and speculating build wealth, debt repayment reduces obligations – both count positively. Drawing on your wealth ("drawdown") reduces your wealth and counts negatively.
Important: the rate refers to external income (work, rent, transfers). A wealth withdrawal is not income but a shift – it comes out of your own wealth.
Example:You earn €4,000 externally, invest €600 and repay €200 of a loan → net shift = €800 → savings rate = 20%. If you additionally withdrew €300, the net shift would drop to €500 → savings rate = 12.5%.
How it is calculated
Savings rate = (saving + investing + speculating + repayment − drawdown) ÷ external income × 100
Good to know
Reference values:Under 10% = little growth · 20–30% = solid build-up · Over 50% = fast FIRE path · Negative = wealth is shrinking