Your savings rate is the share of your income that you put toward retirement. Enter what you know. If you'd rather break it down, each section opens up.
What you earn
$/yr
Your total pay before taxes and deductions. Include regular bonuses and any self-employment or side income. Combining two incomes? Add both gross figures together.
What you save for retirement
$/yr
Everything you set aside for retirement yourself, across all accounts. Not sure of the total? Break it down by account.
$
Your own contributions to 401(k), 403(b), 457, TSP, or deferred comp (traditional or Roth).
$
Traditional or Roth IRA contributions you make on your own.
$
Contributions to a SEP-IRA, SIMPLE IRA, or solo 401(k) from self-employment or side-business income.
$
Stocks, index funds, ETFs, bonds, or crypto held to grow. Leave out cash and near-term savings.
$
Only the portion you're investing and leaving untouched to grow. Not money for current medical costs.
Using the breakdown total: $0
$/yr
What your employer adds on your behalf, in dollars for the year. Know it as a formula instead? Work it out below.
How much of your salary you put into the plan. The match is capped by what you contribute.
The first tier covers contributions up to its cap. The second tier covers the band between the two caps.
Using the formula result: $0
Your savings rate
26%
$26,000 saved each year
(4% is coming from your employer)
How this works: Your savings rate is measured against gross income, the figure you already know and the one most retirement guidance uses. The rate shown includes your employer's contributions alongside your own, since that money is real and compounding for you. The note tells you how much of the rate your employer is providing, so you can see your own share. This counts saving that builds an invested portfolio you can draw on later. It leaves out a few things that grow your security or net worth in other ways: extra mortgage payments, real estate and other assets you don't plan to draw down like a portfolio, and cash-like holdings such as a high-yield savings account, CDs, or money market funds. Those matter, they just work through a different path, by lowering what you'll need or holding steady rather than building what you'll spend.