MyCalculatorHow it works
Left over is Income − Total expenses. Savings rate is (Left over ÷ Income) × 100.
Example
Income of 4,500 minus expenses of 2,750 leaves 1,750, a savings rate of about 38.9%.
Assumptions & limitations
Use after-tax income for an accurate picture. Add every recurring expense category for the most useful result — this tool doesn't guess at categories you leave blank.
Frequently asked questions
Should I use gross or net income?
Use after-tax (net) income for a realistic budget.
What's a good savings rate?
This varies by goals and life stage — there's no universal target, but many financial planners suggest aiming for 15–20% where possible.