Saving Income Calculator Turn your income into automatic savings — optimize 401(k) matches, build emergency funds, and bo...

Saving Income Calculator

Turn your income into automatic savings — optimize 401(k) matches, build emergency funds, and boost your savings rate.

Income Planner

401(k) Match

Emergency Fund

Micro-Saving

Annual Income ($)

Savings Rate (%)

APY (%)

Annual Salary ($)

Employer Match 50% up to 6% (Most Common) 100% up to 3% No Match

Current Contribution (%)

Monthly Expenses ($)

Tier $500 Starter $1,000 Basic 1 Month 3 Months

Daily Round-Up ($)

Transactions/Day

HYSA APY (%)

$0

Monthly to Save

$0

Yearly Savings

$0

10-Yr Total

10%

Savings Rate

Income Allocation

How to Save from Income

✅ The 3 Golden Rules**:

1. Pay Yourself First** — automate savings *before* bills
2. Start Small, Scale Up** — 1% → 5% → 10% over 12 months
3. Use Friction** — put savings in HYSA, not checking

Savings Rate Benchmarks**:

• 1–5%**: Starter — builds habit, beats 0%
• 10%**: Healthy — on track for retirement + goals
• 15–20%**: FIRE — enables early retirement flexibility

📈 Case Study: $60K income, 10% savings → $500/mo @ 4% APY → **$72,000 in 10 years** (vs. $60K without interest)

401(k) Match Mistakes

⚠️ Two common errors:

• Under-contributing** — missing free match (e.g., 5% → miss 1% free)
• Over-contributing early** — hit $23.5K limit in Nov → lose 1 month of match

✅ Optimal Strategy** (50% up to 6% match):

• Contribute **6%** of *each paycheck* — not more, not less
• Use auto-escalation** to increase 1% yearly
• After match is maxed, save extra in **Roth IRA or HYSA**

💡 Tip: $60K salary × 6% = $3,600/yr employee → $1,800 free employer match = **50% ROI**

2025 Saving Benchmarks

Strategy	Annual Impact	10-Yr @ 4% APY
1% of $60K	$600	$7,250
10% of $60K	$6,000	$72,500
401(k) Match (50% up to 6%)	$1,800 free	$21,750
Round-Up $0.75 × 15 tx/day	$4,100	$49,300

📉 U.S. Reality Check**:

• Avg. savings rate: **3.2%** (BEA, Q1 2025)
• 45% can’t cover $1,000 emergency (Bankrate)
• Top 20% save **15–25%** of income

How to Use This Calculator

➡️ Income Planner

“What does 10% of $60K look like?” → monthly, yearly, and 10-yr projections.

➡️ 401(k) Match

See if you’re leaving free money on the table — and how to fix it.

➡️ Emergency Fund

Calculate tiered targets and time to fund (Starter → 3-Month).

➡️ Micro-Saving

Model round-ups, latte factor, and behavioral hacks.

You’ll get:

• Exact dollar amounts to save
• Savings rate tier (Starter/Good/FIRE)
• SVG income allocation pie
• Behavioral tips to stay on track

Note: APY = Annual Percentage Yield. Assumes monthly compounding.