Simple Saving Rate Planner

Saving Rate Planner

An honest, simple look at your monthly finances.

Income

Monthly Income

Expenses

Essentials Rent, mortgage, groceries, utilities, transport

Lifestyle / Nice-to-haves Eating out, hobbies, subscriptions, shopping

Debt / Commitments Student loans, credit card minimums, personal loans

Other Unplanned costs, gifts, donations

Target Saving Rate 20%

Move the slider to set your goal.

Your Monthly Snapshot

Total Expenses 0

Leftover (Potential Savings) 0

Actual Saving Rate 0%

Target Goal 20%

Gap to Goal -

Where your money goes:

Enter income to see chart

Essentials (0%)

Lifestyle (0%)

Debt (0%)

Other (0%)

Savings (0%)

The Most Important Number in Finance

Forget about "beating the market." Early in your journey, your Saving Rate has a 10x bigger impact on your wealth than your investment returns.

⏳ Buying Your Time Back

Your saving rate isn't just a percentage; it's a measure of how many "years of freedom" you buy with every year of work.

The Freedom Equation:

• 10% Saving Rate: You must work 9 years to afford 1 year of living expenses.
• 25% Saving Rate: You work 3 years to afford 1 year of freedom.
• 50% Saving Rate: For every 1 year you work, you buy 1 year of freedom.

This is why the "FIRE" (Financial Independence, Retire Early) movement focuses obsessively on reaching a 50%+ rate. It drastically shortens the mandatory working career.

↔️ Widening "The Gap"

Your wealth grows in the gap between your Income and your Ego (Expenses). You can increase your saving rate in two ways:

• Defense (Frugality): Cutting subscriptions, cooking at home, and avoiding lifestyle creep. This has a double benefit: it increases your savings and lowers the amount you need to survive forever.
• Offense (Income): Side hustles, career upskilling, or freelancing. There is a limit to how much you can cut, but no limit to how much you can earn.

The most effective strategy is to keep your expenses fixed (living like a student) while your income grows.

Saving Rate FAQ

Does paying off debt count as "saving"?

Yes. Every Rupiah used to pay down principal on a loan increases your Net Worth. If you use Rp 1.000.000 to pay off a credit card, include that in your "Savings" input for this calculator.

Should I include employer matches (BPJS/401k)?

Absolutely. If your employer contributes to your retirement fund (like BPJS Ketenagakerjaan), that is part of your total compensation and your total savings. It often boosts your real saving rate by 3-5% automatically.