Savings rate calculator

Enter what you earn and spend in a month. See what share you keep, how long a goal takes, what you can set aside over any horizon, and how much you can spend to reach a goal in time.

Savings rate Time to a goal How much I can save Spending to reach a goal

Your month

Income after tax, per month Expenses everything you spend in a month

Goal months of expenses amount

Deadline

Savings

Expenses limit

Already set aside optional, counts toward the goal

How much I can save	Set aside	With what you have

If I spent 10% less

What a savings rate is

Your savings rate is the share of income you keep after all expenses: (income − expenses) ÷ income. Earn 2,000 and spend 1,520, and you keep 480, a rate of 24%. Common rules of thumb: below 10% leaves little room for surprises, 10–20% is a solid habit, 20–30% is the usual target, and 30% or more is aggressive saving for a specific goal. The 20% figure comes from the 50/30/20 rule in All Your Worth by Elizabeth Warren and Amelia Warren Tyagi: half of income for needs, 30% for wants and 20% for savings and debt.

How many months of cushion you need

See your own numbers in Qoin

Open the demo to log expenses, set a budget and follow your savings. It takes a minute and needs no account.

Try the demo, no sign-up