Savings rate

My savings rate

The savings rate is the percentage of my income streams that I save to invest in P2P lending, real estate crowdfundingcrypto, pay off extra debt etc.

It’s calculated without my pension (17,3% of my monthly salary). 

My average savings rate since January 2018



The monthly average savings rate: +40,06%

  • January: +113,66%
  • February: +77,70%
  • March: +25,57%
  • April: +19,37%
  • May: +41,12%
  • June: +16,12%
  • July: +19,66%
  • August: +37,46%
  • September: +35,35%
  • October: +31,34%
  • November: +46,84%
  • December: +16,59%


The expected average savings rate: +45,00%

➡ My short-term goal+50% 

Once I have paid my student loan and leverage loan, it is possible for me to have +50% savings rate 😎
However, the outlook is latest in January 2020. I hope it’s possible before, but then I need to improve my income streams. 

I have a short-term goal and I want to increase my income by 20% before the end of 2020.

The savings rate and financial independence

When your annual return on investments covers 100% of your expenses then you are financially independent. 
Below is a table that shows how long time it takes with 4% safe withdrawal rate (SWR)The assumption is that you can earn 5% in returns after inflation during your saving years. 

Savings rate:Working years until retirement:

It really shows the effect of a high savings rate. What matters is not your earnings, but how much you can save to invest in percent.

savings rate

You can find ways to reduce your consumption and at the same time support you in having a good journey. I’ve made a blog post below with some of my great tips 🙂

Related blog posts

How to calculate the savings rate

  1. Calculate your monthly total income (after taxes)
  2. Calculate your monthly total spending 
  3. Subtract your spending from your income to figure out how much you’re saving, then divide this number by your income
  4. Multiply by 100

Frequently Asked Questions

How can I save more money? 

You will first have to make a budget that contains everything. Then you can see where your income “disappears”. It may be that you have bought a too expensive house or car. Maybe you have too expensive habits? Perhaps you pay off on debt?

You need to review your spending and see how to optimize and be smarter.

This is a very individual question, but most people can find places in their economy that can be optimized.

It also takes time. Eg. I’ve had a saving of 40% for a long time, but once I’ve paid my debt it will rise to 50%.

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