What is a good savings rate?

There is no single 'good' number, but this calculator compares your savings rate against other U.S. savers so you can see your percentile. A higher percentile means you save a larger share of your income than most people.

How is savings rate calculated?

Savings rate is the share of your income that you save rather than spend, expressed as a percentage. Divide the amount you save each month by your income for that month, then multiply by 100.

Savings Rate Percentile Calculator

Your numbers

How do you compare?

Your savings rate

The share of your income you save each month, as a percentage.

Your numbers are compared locally and never stored.

Your savings rate percentile57th

You’re ahead of about 57% of other U.S. savers.

Median saver: 8%
Top 10% starts at: 25%
Top 1% starts at: 50%

Methodology & sources

How the percentile is calculated

Your savings rate is placed on the distribution of U.S. personal saving rates and interpolated to a percentile. Unlike the net worth and income tools, this comparison is not broken out by age.

The benchmarks approximate the U.S. Bureau of Economic Analysis’s personal saving rate series. Percentile thresholds approximate the distribution shape and are for educational comparison, not exact microdata.