Savings Rate Calculator
Work out the share of your income you actually keep — and how many years that pace puts you from financial independence. It's the single biggest lever on retiring early.
Last verified: 5 May 2026How much does my savings rate matter?
Enormously — more than your return. Save 10% and financial independence is ~50 years away; 50% brings it to ~17 years; 65% to ~10. Saving more builds the nest egg and shrinks the one you need. Source: ASIC MoneySmart.
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
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