💰 Relative Savings Calculator
Calculate how long you can live off your savings and interest, parametrized by net saving rate.
Starting Value
Multiple of yearly net income already saved (e.g., 1 = one year's net income saved)
Net Savings Rate (%)
Percentage of net income that you save (if you save 20%, it means you spend 80%).
Annual Interest Rate (%)
Expected annual return on investments
Continuous deposits and withdrawals
When checked, assumes continuous deposits/withdrawals throughout the year with continuous compounding. When unchecked, assumes yearly deposits at end of year but withdrawals at beginning of year (more conservative for retirement planning). Continuous mode is more realistic.
Results
Years Saving
Starting Value Grown
New Savings Accumulated
Total Wealth
Years You Can Live Off Savings
Note:
All values are expressed as multiples of net annual income.