Personal savings rate API

Compute the personal savings rate as (income − spending)/income·100 with a transparent rating rubric tied to FIRE timelines (excellent ≥50%, strong ≥20%, moderate ≥10%, low ≥0%, deficit <0%), returning annual and monthly amounts saved. Answers 'what is my savings rate','am I saving enough','how much am I saving each month'.

Price$0.01per request

MethodPOST

Route/v1/calc/pf-savings-rate

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcsavings-ratebudgetingfireincomespendingpersonal-financerubric

API URLhttps://x402.hexl.dev/v1/calc/pf-savings-rate

Integration docs

Example request

{
  "annualIncome": 120000,
  "annualSpending": 84000
}

Example response

{
  "formula": "savingsRate = (income − spending)/income · 100",
  "savingsRatePercent": 30,
  "annualSaved": 36000,
  "monthlySaved": 3000,
  "rating": "strong",
  "breakdown": {
    "annualIncome": 120000,
    "annualSpending": 84000
  }
}

Input schema

{
  "type": "object",
  "required": [
    "annualIncome",
    "annualSpending"
  ],
  "properties": {
    "annualIncome": {
      "type": "number",
      "examples": [
        120000
      ]
    },
    "annualSpending": {
      "type": "number",
      "examples": [
        84000
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}