What Is Savings Rate?

Your savings rate is the percentage of your income that you keep after expenses. The formula is:

Savings Rate = (Income − Expenses) ÷ Income × 100

A positive rate means you're saving money. Zero means you broke even. A negative rate means you spent more than you earned.

Where to Find It

Your current month's savings rate appears on the Overview screen under the Income and Expenses cards. It also appears on the Analytics screen with a month-over-month comparison.

What's a Good Savings Rate?

  • Under 10% — Getting started. Every bit counts.
  • 10–20% — Reasonable. Good room for improvement.
  • 20–30% — Strong. Building real financial security.
  • 30%+ — Excellent. On track for ambitious goals.

💡 Tip: Even a 5% improvement compounds significantly over time and accelerates reaching your financial goals.