Savings rate
Your savings rate is the percentage of income you keep after spending: (income − spending) ÷ income.
By the MonthlyIQ team · Last updated 2026-09-28 · Editorial policy
What is savings rate?
Your savings rate is the percentage of income you keep after spending: (income − spending) ÷ income.
Why it matters
It combines income and spending into a single number you can track month to month.
Related terms
See your own numbers
Connect your accounts and MonthlyIQ explains your month — what's due, what changed, and what's left.
General information only, not financial, tax, or legal advice. MonthlyIQ is not a bank or financial adviser.