FREE CALCULATOR
Salary to savings
Your savings rate does two things at once: it builds the corpus and it sets how cheap your life is to run. That second part is why a high rate compounds twice. See what your rate builds, what one more percentage point is worth, and how many years of your own spending you have banked. The maths runs in your browser and none of your figures are saved or sent to us.
₹
₹
WHERE THAT PUTS YOU
0–5%
5–15%
15–25%
25–40%
40%+
A solid rate. At this level the compounding starts to do visible work over a decade.
15 years
10%
7%
Assumes you keep the same rate as your salary grows, so the saved amount rises with it. Spending the whole raise is what keeps a rate flat for a decade.
YOUR SAVINGS RATE
17.6%
You live on ₹70,000 a month and keep ₹15,000.
After 15 years
₹92.80 L
You live on
₹70,000/mo
Years of spending banked
11.0
WHAT A HIGHER RATE IS WORTH
Same salary, same years, same return. Only the share you keep changes.
Your rate today
18% of take-home
₹92.80 L
Five points more
23% - ₹4,250 a month more
₹1.19 Cr
Ten points more
28% - ₹8,500 a month more
₹1.45 Cr
Fifteen points more
33% - ₹12,750 a month more
₹1.72 Cr
Why the rate beats the amount
It counts twice
Saving more builds the corpus and lowers the cost of your life at the same time. A 30% rate means both a bigger pile and a smaller number it has to cover, which is why the years-of-spending figure moves so fast.
The raise is where rates die
A salary rising 8% a year with spending rising 8% too leaves the rate flat for a decade. Directing half of each raise to savings is the least painful way to climb, because you never had the money in hand.
Rate beats return
Going from 10% to 20% saved changes the outcome more than finding two extra percentage points of return, and you control it entirely. Most people spend their attention on the wrong one of these two.
Measure it, don't estimate it
Almost everyone guesses their own rate high, because the small recurring spending is the part nobody remembers. If the figure you typed above came from memory rather than a statement, treat it as optimistic.
Projections here ignore inflation and tax, and assume you actually keep saving at the same rate for the whole period. Arithmetic on your assumptions, not advice.
Most people guess their savings rate high.
Vittafy measures it from what actually left your accounts, reading the mail your banks already send. Free on Android 10 and above - Play Store or a direct APK, whichever you prefer.