What's your saving rate in 2025?

[Mephist0pheLes]

lai share pls.

work income = take home + employee contribution + employer contribution
total savings = work income - all expenses (including MA for healthcare expenses and insurance, OA for primary residence mortgages)

saving rate = total savings/work income

to standardise the response:
dividends and interests are not counted as part of work income.
investment into equities, bonds, mmf, investment metals, non-pri-residence real estate are not counted as expenses.

 

[ashethen]

I think 80%+
Didn't inflate my lifestyle much since I started working

 

[Mephist0pheLes]

I think 80%+
Didn't inflate my lifestyle much since I started working

that's impressive. i think not counting mortgages, my expenses doubled since i started work

 

[iPod Jack]

Ard 50%

inflation surprisingly doesnt do much to dent my spending power, which remains more or less the same the last 10+ years

key is to live below my means

 

[Shion]

not sure, need to check my tracker excel

 

[buttbERry]

wa take into acct cpf also?

 

[Mephist0pheLes]

wa take into acct cpf also?

yea since they can be part of expenses (mortgage etc.)

 

[Mephist0pheLes]

seems like edmwers are doing well generally. most are saving 40% or more

 

[coolhead]

yea since they can be part of expenses (mortgage etc.)

Then you need to exclude MA and SA contribution portion of the work income for both Employer and Employee cpf.

This needs to be stated in first post

 

[MoeLanYong]

Wah piangz. Where got people analyze till so chim??

Isnt it tiring to track?

Moi, is got money just spend.

No money, sit at orchard road beg.

 

[Sen Sen]

Half half bah.

 

[win_man]

How will people know these? i only track monthly expenses as i adopt maximum savings strategy and monies all moving around to brokers, SRS, CPF, MMF

 

[glarerder]

Allocate an amount to spend for the month. After that amount is spent, if month still hasn't ended, jiak loti for the remaining days with the coins from the piggy bank

 

[Mephist0pheLes]

Then you need to exclude MA and SA contribution portion of the work income for both Employer and Employee cpf.

This needs to be stated in first post

ma used for insurance and medical bills.
sa some ppl might top up or transfer. some have ma spillover into sa.

and it is pretty clear from the first post. and that is to include them.

 

[Mephist0pheLes]

How will people know these? i only track monthly expenses as i adopt maximum savings strategy and monies all moving around to brokers, SRS, CPF, MMF

log on to ur bank account, or if your company has income portal, filter for income. sum them up for 2025.

log on to CPF, sum up the contribution u received in 2025.

with these, tgt with the monthly expense u track, u can compute ur saving ratio.

 

[ykau]

Investment can consider saving anot?

 

[win_man]

log on to ur bank account, or if your company has income portal, filter for income. sum them up for 2025.

log on to CPF, sum up the contribution u received in 2025.

with these, tgt with the monthly expense u track, u can compute ur saving ratio.

if calculate based on first post to exclude CPF and other interests, my preliminary estimate my savings rate is around 88% which is close to my own assumption of 80+%

 

[mooseolly]

I got very little savings.

 

[Dividends]

Was around 70-80%, now probably 40% or less after I've hit my retirement target but still working.

 

[Mephist0pheLes]

Investment can consider saving anot?

yes.

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