Your Savings Rate Is the Lever That Matters Most

Investment returns matter, but savings rate moves your FIRE date more than almost anything else you control. Someone saving 50% of their income reaches FIRE in roughly half the working years of someone saving 15%, all else equal.

ClaryFIRE's "Income & savings rate" mode lets you enter a percentage directly instead of separate income/expenses lines — see your real number without doing the subtraction yourself.

Calculate with my savings rate →

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