How much should I be saving?

The Chapter 10 savings rate calculator. Five answers, one number: the share of gross income going toward wealth every year — retirement contributions plus extra principal on the debts that count. There is no technique or alpha trick that replaces an adequate savings rate; this is that rate.

For education and entertainment only, not financial advice. These are screening benchmarks from named public sources, not a plan; your plan gets written with your own numbers, and for anything complicated, a fee-only fiduciary advisor.

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five answers

Your situation

$

Where are you in your career? two earners in different stages? run both and use the higher benchmark

Employer retirement match?

High-interest debt?

Student loans?

Companion to The Income Variable, Chapter 10. For education and entertainment; not financial advice. Your answers are not saved by this tool.

Answer the five
Income and career stage set the benchmark. Your other answers determine where the dollars go.
A benchmark, not a plan — the rate is the engine and the waterfall is the routing; both get personalized against your written plan. For entertainment; real decisions involve your own numbers and, where it's complicated, a fee-only fiduciary advisor.