Savings rate & investing calculator
Your savings rate, what investing it could become, and your financial-independence number.
Assumes your monthly surplus is invested at a constant return; expenses and income kept constant in today's money (return entered after inflation). Rule of thumb only.
Why the savings rate matters
Your savings rate — the share of your after-tax income you invest — is the lever you control most. It decides both how fast your portfolio grows and how much you need: the less you spend, the smaller the portfolio that can cover your life.
The financial-independence number
A common rule of thumb is that a diversified portfolio can sustain withdrawals of about 4% a year. That means you need roughly 25 times your annual expenses. It is a rough guide, not a guarantee — markets, taxes and how long you need the money all change the picture.
How to raise your savings rate
- Increase income: skills, career moves, a business or side income.
- Review the big fixed costs once a year: housing, car, insurance, subscriptions.
- Automate: transfer savings on payday, before you can spend them.
Learn more in the wealth formula.
How much could your savings grow with regular investing and compounding?
Drawdown recovery calculatorHow much gain — and how many years — it takes to recover from a loss.
Start investing — learning pathEight short lessons from the first euro to a running portfolio.
Illustration only — not investment advice and not a forecast. Real returns vary from year to year and can be negative. Disclaimer.