Savings Rate vs Investment Rate Calculator

Compare your savings rate with your investment rate in seconds. Enter your annual income, expenses, investment contributions, and expected rate of return. Instantly see what percentage of your income is being saved, how much is being invested, and discover the impact of your investments over a year. With visual bars and instant feedback, this calculator makes it easy to spot opportunities to improve your financial strategy and prioritize growth.

Take-home income (post-tax)
All yearly costs
Of your annual income
Expected growth rate for investments
Savings Rate
—
Percent of income saved
Investment Rate
—
Percent of income invested
Projected Investment Growth (1 yr)
—
Assumes annual compounding
Tip: Compare savings and investment focus for best results.
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How This Calculator Works
  • Step 1: Enter your annual income, expenses, investment amount, and expected return.
  • Step 2: The calculator computes savings rate (income minus expenses ÷ income × 100) and investment rate (invested amount ÷ income × 100).
  • Step 3: See a visual bar and projected investment growth after 1 year.
  • Formula:
    Savings Rate = (Income − Expenses) ÷ Income × 100
    Investment Rate = Amount Invested ÷ Income × 100
    Investment Growth = Invested × (1 + Return%)

Savings Rate vs. Investment Rate: Why Tracking Both Is Essential

Smart financial planning goes beyond simple saving or investing it’s about balancing both for lasting wealth. While your savings rate shows how much of your income you set aside, your investment rate captures your commitment to growing those savings for the future.

What Is the Savings Rate?

The savings rate is the percentage of your income that you save rather than spend. It’s a simple but powerful metric if you earn ₹6,00,000 and spend ₹3,80,000 a year, your savings rate is 36.7%. It answers: How efficient am I at building my financial cushion each year.

What Is the Investment Rate?
The investment rate is the percentage of your income you actually invest. Saving is great, but investing gives your money the power to grow beating inflation and compounding over time. For example, if you invest ₹1,20,000 out of a ₹6,00,000 income, your investment rate is 20%.

Why Track Both?

  • Savings covers emergencies and short-term goals.
  • Investments build long-term wealth and financial independence.
    Focusing only on saving means you’ll miss out on growth; focusing only on investing can leave you exposed if you need liquidity.

How This Calculator Helps:
By entering your income, expenses, investment amounts, and expected return, the calculator instantly visualizes both rates and projects how your investments could grow in a year. This makes it easy to spot if you’re saving too little, investing too cautiously, or missing out on achievable wealth.

Get Started:
Use the Savings Rate vs Investment Rate Calculator now to measure, compare, and optimize your finances—so you can hit your goals faster and with more confidence.