Savings Rate Calculator: How Much Should I Save and Invest?

Thierry

March 8, 2026 2 min read

Savings Rate Calculator Switzerland: How Much Should I Save? (2026) | arvy

Savings Rate Calculator: How Much Should I Save and Invest?

By Team arvy · March 2026 · Interactive Calculator

Warren Buffett says: "Do not save what is left after spending — spend what is left after saving." But how much should you concretely save? This calculator shows your current savings rate, compares it with benchmarks, and calculates what your savings will become over 20 years.

Savings Rate Calculator

Monthly Net Income CHF 7'000

Your monthly net income after taxes and social deductions. Not sure? → Budget Calculator: Calculate your net income

Fixed Costs (rent, insurance, etc.) CHF 3'000

Rent, health insurance, transport, subscriptions — everything that stays the same each month. Rule of thumb: max 50% of net income (50/30/20 rule). Rent alone should be max 30%.

Variable Expenses (food, leisure, etc.) CHF 2'000

Food, leisure, shopping, restaurants — everything variable. This is where the biggest optimisation potential lies. Rule of thumb: max 30% of net income.

Expected Return When Invested 7%

The difference is enormous: CHF 2,000/month in a savings account (0.75%) = CHF 497,000 after 20 years. Invested at 7% = CHF 1,042,000. The difference: CHF 545,000 free money from compound interest. → Compound Interest Calculator

28.6%

Your Savings Rate

Good — above the Swiss average of ~20%

Fixed Costs

Variable

Save

Fixed Costs

Variable

Save/Invest

Monthly to Invest
CHF 2'000

In 20 Years
CHF 1'042'414
Deposited: CHF 480'000

In 10 Years

CHF 346'155

In 30 Years

CHF 2'439'722

Your Savings Rate Compared

Swiss Average

~20%

Recommended (50/30/20)

20%

FIRE Community

40-60%

Your Rate

28.6%

Automate your savings rate. Set up a standing order on the 25th — right after payday, before you spend anything. With arvy from CHF 1/month. → Set up a savings plan

The 50/30/20 Rule

One of the best-known budgeting rules: 50% for needs (rent, insurance, groceries), 30% for wants (leisure, travel, dining), 20% for saving and investing. In Switzerland — with high rents and living costs — the 50/30/20 rule is a good starting point, but not dogma. More important than the exact number is the habit: investing a fixed amount every month, automatically via standing order.

Why Invest Rather Than Just Save?

CHF 2,000 per month in a savings account (0.75% interest) yields CHF 497,000 after 20 years. The same CHF 2,000 at 7% stock market return yields CHF 1,042,000 — more than double. The difference is CHF 545,000 that the compound interest effect gives you for free.