Work out your savings rate — the share of your income you save — or, the other way round, the amount a target rate would need. If you like, the calculator shows the long-run effect: what your monthly saving could grow to over the years, and what one percentage point more would add. There is no recommendation on which rate is 'right'. Everything runs in your browser; nothing is stored or sent.
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The two cards give your savings rate and the matching monthly amount, and a bar shows the share of income you save. If you added a term and a rate, the scenario shows the possible final balance, how much of it is your own money and the interest on top, plus what one percentage point more would add. None of it says what your rate should be.
The savings rate is your monthly saving divided by your net income, as a percentage. In 'amount from target rate' mode it works the other way: saving equals the target rate times income.
The optional scenario invests the saving as a monthly payment over the chosen term, earning the nominal monthly rate (annual rate ÷ twelve, paid at month end) — the same annuity formula as the compound interest and savings goal calculators. It also shows how much extra one percentage point more would add (one point is 1% of your income more each month).
The rate is a freely chosen example assumption, not a forecast. Internally the calculation is unrounded and only rounded for display.
Savings rate = Saving / Net income · 100Saving = Target rate / 100 · Net incomeScenario balance = S · (q^m − 1)/(q − 1) with q = 1 + i/12, m = 12·nEffect of +1 point: extra saving = 1% · Net income| Calculating | Savings rate from amount |
|---|---|
| Net income | €2,500.00 |
| Monthly saving | €375.00 |
| Savings rate | 15% |
|---|---|
| Monthly saving | €375.00 |
€375.00 out of €2,500.00 is a savings rate of 375 / 2,500 = 15%. All figures are example assumptions.
| Calculating | Amount from target rate |
|---|---|
| Net income | €4,000.00 |
| Target savings rate | 20% |
| Scenario term | 25 years |
| Scenario rate (example assumption) | 5% p.a. |
| Monthly saving | €800.00 |
|---|---|
| Final balance after 25 years | €476,407.77 |
| Total paid in | €240,000.00 |
| Extra from +1 percentage point | €23,820.39 |
20% of €4,000.00 is €800.00 a month. Over 25 years earning 5% (credited monthly) that grows to about €476,407.77, of which €240,000.00 is your own money. Saving one percentage point more (€40.00 extra a month) would add about €23,820.39. The 5% is an example assumption.
The calculator deliberately does not say. What makes sense depends on your income, stage of life and goals. Common rules of thumb are only a rough guide, not a recommendation; the tool simply shows your rate and its long-run effect.
If you give a term and a rate, the calculator invests your monthly saving as a regular payment and shows the possible final balance. It is a model with an assumed rate — not a forecast of real returns.
One point more means a little extra every month. Over many years, with interest on interest, that small amount adds up to a noticeable difference — the calculator puts a figure on it for your inputs.
No. This version calculates without tax. Investment income can be taxable depending on where you live — worth checking your own position separately.
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Last reviewed: 26/07/2026 · All calculations run in your browser – inputs are not stored. ·How we check our calculators