Your numbers
Estimates are fine. Nobody sees this but you — it never leaves this page.
🔒 Runs entirely in your browser. No account, no saving, no tracking of your numbers.
Your savings check
Your result appears here — your rate, your runway, and how you compare with a simple guide for your age. A guide, not a grade.
Your one catch-up move
Simple math, no investment growth assumed — any growth only helps it along.
Your “this week” plan
Three small steps, in order. Built from your numbers — do them this week and the habit is already running.
What if you just kept going?
Drag this to see where your pace — plus the small bump above — takes your balance, before any raises or investment growth.
A note before you close this
Guides like “1× by 30, 3× by 40” assume a straight line — same job, no kids, no caregiving, no starting over. Real life zigzags. What the guides can’t measure is direction, and direction is the part you just took charge of by checking.
Keep going — make the rate easier
A savings rate is easier to keep when the whole month is in order — and easier still when more is coming in. These three guides from the SoRavelyn shop pick up right where this check leaves off.
Start here — the reset
7-Day Money Reset
One week to get your money in order: a spending audit, a subscription sweep, bills on a calendar, and a simple budget you’ll actually keep. 15 pages, fill-in worksheets included.
Grow the income side
She Got Rich Off AI
The AI blueprint for financial freedom: 7 income models, a 30-prompt vault, a 30-day planner, and a bonus toolkit of worksheets and trackers. 66 pages.
Build the bigger plan
6 Figure Woman
Turn your skills, ideas & knowledge into a six-figure business on your terms. 50 pages, 10 parts, 13 fill-in tools, 50 hook formulas, 25 AI prompts, a 30-day content planner and a 90-day build plan.
Want more? Browse the full shop — playbooks, planners & guides at SoRavelyn.com
A guide is not a grade
The age bands below come from Fidelity’s well-known guideline. They’re a compass for people who started at 25 and never stopped — useful for direction, useless for shame.
Runway is real security
Months of essentials covered is the number you feel in real life. Three months is the classic first target; six is where a job loss stops being a crisis.
Small bumps beat big intentions
The increase that changes your verdict is usually smaller than people fear — and a year of it, on autopilot, is worth more than one heroic month followed by none.
The guide behind this check
Fidelity’s retirement guideline: aim for about 1× your pay saved by 30, 3× by 40, 6× by 50, 8× by 60, and 10× by 67 — saving roughly 15% of pay along the way. This check measures the multiples against your yearly take-home pay and highlights the milestone nearest your age after you run it.
| Milestone | Saved guide | For your pay |
|---|---|---|
| By age 30 | 1× pay | — |
| By age 40 | 3× pay | — |
| By age 50 | 6× pay | — |
| By age 60 | 8× pay | — |
| By age 67 | 10× pay | — |
Between milestones, the check blends the guide — so at 41 the guide is about 3.2× pay, not a sudden jump at 40. The guideline assumes saving from your mid-20s and retiring at 67; if your story is different, treat the direction as the useful part.