<prompt> Human: Hi PF - Im not exactly sure how to calculate my savings rate. My thinking is that everyone does it differently, especially the more involved it gets. How much -wise would a person with the following situation be saving?Salary: 50kContributes 10 to 401k, dollar for dollar match for the full 10Salary less 401k contribution: 45kPost-tax net income: 35kPost-tax contributions to mutual funds: 10kHere is my confusion: Where do employer matches factor in? Do they count towards my figure? And how do you count post-tax, since the amount you contribute as a percentage is done with net income and not gross income?  <response>: From another comment of mine: I find it perfectly acceptable to include a company match in calculating ones savings percentage; however, if you add it to your numerator I would also add it to your denominator it is, after all, income. Savings Rate 0.1 2 50,000 10,00050,000 1 0.1 Savings Rate 36.4 