The single number that matters more than your salary: what share of it you actually keep. Enter your take-home pay and monthly spending to see where you stand.
The whole idea
A rising salary that comes with rising spending is a flat rate, not progress.
The 50/30/20 guideline (needs, wants, savings) popularised by Elizabeth Warren is a useful starting benchmark, not a law of nature. It puts the savings share at 20%, which is why that number shows up as a marker above rather than a pass-or-fail line.
Common mistake
Measuring the rate against gross pay
If any of your income is taxed elsewhere (remote work for a foreign employer, for instance), use what actually reaches your account.
Worth knowing
Pairs well with a goal
Once you know the rate, the savings goal calculator turns it into a timeline for something specific.
Tracking this by hand every month? NetWorth+ computes it automatically from your real transactions, across every account.
This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or logged; reload the page and it is gone. It is provided for general information only and is not financial, tax or investment advice. Results are estimates: always check figures against your own statements, employer, lender or a qualified professional before acting on them.
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