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Savings rate calculator
Your savings rate — the share of income you keep — is one of the most telling numbers in personal finance. Enter your income and what you saved this month to see it.
Then work on nudging it upward.
Free · No ads · 140+ currencies · Android (iOS coming soon)
Balance - Expense Tracker by Clarzen on Google Play
Your savings rate
A 20%+ rate is a healthy long-term target
0.0%
Estimates only — a quick starting point, not financial advice.
Why savings rate matters
More than any single expense, your savings rate determines how fast you build security and reach goals. A higher rate means both more saved and less spent — it works on both sides at once.
A 20%+ rate is a healthy long-term target, but the trend matters more than the exact number: aim to improve it over time.
Raise it with better tracking
Small leaks quietly lower your savings rate. Balance's analytics and subscription radar surface those leaks so you can close them and watch the rate climb.
Frequently asked questions
What is a good savings rate?
Around 20% of take-home income is a solid long-term target, though any consistent amount is progress. What matters most is improving the trend over time.
Is Balance free?
Yes. Balance is free to download and use, with no ads. Everyday tracking — adding expenses, automatic capture, bills and subscriptions, accounts and CSV export — is free, and it isn't a trial that runs out.
Keep exploring
Track every expense. Ask anything.
Free to download, no ads, no bank login. Get Balance on Google Play and start tracking in minutes.
